Update on Thelma ClaribelThelma Claribel is 41 years old. She lives in her own home with her life partner and two children, ages 4 and 13. The older child is in school. Her dream is to see her children become important professionals and to have better conditions than she has had. Thelma’s children mean everything to her, and she works hard in order to get them ahead in life. She sells basic necessities in a small store that she has established. She is a reliable woman who is full of kindness, and she has gained the confidence of her neighbors. They prefer shopping with her because she always has what they need and above all, she treats them well.
There is a school in front of her home, and this is a strategic location for her business because it allows her to have many customers. The children are always looking to buy a variety of sweets, candy, sweet bread, and other products. Lately, she has been thinking about how to grow her business and has decided to stock her store with a variety of products that are attractive to her customers. For this reason, she is requesting a loan from Integral. She will use the loan to purchase supplies such as beverages, rice, beans, oil, candy, paper, sweet bread, coffee, and other products. This will enable her to attract more customers and fulfill her dream of giving her children better opportunities in life.
Thelma Claribel 41 años de edad, habita en casa propia con su compañero de vida y sus dos hijos de 4 y 13 años de edad uno de los cuales se encuentra estudiando. Su sueño es verlos convertidos en grandes profesionales y con mejores condiciones a las que ella ha tenido. Para Thelma sus hijos lo son todo y trabaja duramente para sacarlos adelante. Ella se dedica a la venta de productos de primera necesidad en una pequeña tiendita que ha logrado establecer. Es una mujer confiable y con mucha amabilidad que ha logrado ganarse la confianza de todo su vecindario, los cuales la prefieren, ya que siempre cuenta con lo que ellos necesitan y sobre todo reciben un buen trato. La ubicación del negocio es muy estratégica ya que se encuentra frente a escuela del lugar donde vive lo cual le permite tener mucha clientela por parte de los niños que siempre la buscan para comprar variedad de dulces, golosinas, pan dulce, etc. Últimamente ha pensado mucho en cómo hacer crecer su negocio y ha decidido abastecer su tienda con variedad de productos que sean atractivos para los clientes. Esta es la razón por la cual solicita este crédito a INTEGRAL para comprar los principales insumos como: bebidas, arroz, frijoles, aceite, golosinas, papel, pan dulce, café, etc. Que le permitan a traer a más clientes y lograr cumplir su sueño de dar a sus hijos mejores oportunidades de vida.
Previous Loan DetailsThelma Claribel Aguila is 39 years old and a widow. She lives in Quezaltepeque, in San Salvador department. She is a very responsible person who must work very hard to get her two children, aged 13 and 4, ahead in life as they depend completely on her. Thelma owns a store in which she sells ... More from Thelma Claribel's previous loan »
About Apoyo IntegralApoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.
Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid