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Carmen Elena
For 7 years, Carmen Elen has been running her business making and selling delicious cakes which she makes in her kitchen. In the past, she sold her cakes in the street in the different areas where she lived. Thanks to her efforts and work, she has been able to accommodate her business in her home, which is visited by many people because she is the neighborhood leader in selling delicious cakes. She is 54 years old and lives in a rented house with her daughter who is in school. Carmen's dream is to finish paying for her daughter's education so that she can quickly find work so that she will be able to have a better quality of life. Because her daughter's financial needs have increased and she doesn't have another source of income with which to cover them, she has decided to take out a loan from Integral that will enable her to buy necessary supplies such as: flour, eggs, sugar, fruit, etc to make the delicious cakes that her customers demand. She does all this with the goal of improving her income that enables her to give her daughter what she needs to cover her expenses.
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Carmen Elena tiene 7 años de dedicarse al negocio de elaboración y venta de deliciosos pasteles, los cuales elabora en su hogar de residencia. En el pasado hacía la venta de forma ambulante en las diferentes zonas donde ella habita. Gracias a su esfuerzos y trabajo ha logrado acomodar su negocio en su hogar de residencia, el cual es muy visitado por muchas personas dado que la señora Carmen se caracteriza por ser la líder en la venta de deliciosos pasteles del vecindario. Tiene 54 años de edad y habita en casa alquilada junto con su hija, la cual se encuentra estudiando. El sueño de Carmen es terminar de financiar los estudios de su hija para que pronto pueda optar a un empleo, con el cual pueda tener acceso a mejores condiciones de vida. Dado que las exigencias económicas de su hija han aumentado y no cuenta con otra fuente de ingresos con la cual pueda hacerles frente, ha tomado la decisión de solicitar esté crédito a INTEGRAL con el cual pueda adquirir los insumos necesarios como: harinas, huevos, azúcar, fruta, etc. para la elaboración de los deliciosos pasteles que tanto le demandan sus clientes. Todo esto lo hace con el fin de mejorar sus ganancias que le permitan dar a su hija lo necesario para cubrir sus gastos.

Additional Information

About Apoyo Integral

Apoyo 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.

About El Salvador

  • $7,500
    Average annual income
  • 549
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carmen Elena to buy flour, eggs, sugar, fruit, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2012
May 25, 2012
Currency Exchange Loss:
Oct 25, 2013