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Clara Luz
Clara Luz, age 42, lives with her life partner and her daughter. Clara Luz sells meat, chicken, fruit and vegetables like onions, apples, and melons, among others. She sells from a stand that is close to where she lives.

She has had this small business for several years, and it gives her good income. She has a lot of fixed clientele from the surrounding areas. They prefer her for her excellent service, the quality of the products, and especially for the accessible prices.

Clara is a tenacious woman who is devoted to her work. She has a lot of goals that she wants to achieve. She knows that if she puts forth all of her effort and dedication she will be able to reach her goals. In recent months her income decreased due to lack of investment because she had to cover financial emergencies at home.

She is extremely eager to recover, but she needs capital. That is why she is requesting a loan from Integral. A loan would allow her to buy chicken, meat, fruit, and vegetables wholesale.

Clara Luz has references for being honorable with an impeccable moral character. She is sure that, with this help, she will get ahead and be able to cancel the debt. She also has the support of her husband, a farmer. She is confident that she will be able to bring financial security to her household.
View original language description ↓
Clara Luz de cuarenta y dos años de edad vive juntos a su compañero de vida y su hija, ella se dedica a la venta de carne, pollo, frutas y verduras como tomates, cebollas, manzanas, melones, entre otros, en un puesto cerca de donde reside, tiene varios años de tener este pequeño negocio y le deja muy buenas ganancias, posee mucha clientela fija de todos los alrededores pues la prefieren por su excelente servicio, calidad en los productos pero sobre todo por los precios accesibles; Clara es una mujer luchadora entregada a su trabajo, tiene muchas metas que quiere alcanzar y sabe que si pone todo su esfuerzo y dedicación podrá llegar a concretarlas, en los últimos meses tuvo una baja en sus ganancias por falta de inversión, debido a que tuvo emergencias económicas que cubrir en su hogar; esta con toda la disposición de recuperarse pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar pollo, carne, frutas y verduras por mayor. Clara luz tiene referencias de ser honrada y con una moral impecable está segura que con este apoyo saldrá adelante y podrá cancelar la deuda, además recibe el respaldo de su esposo que es agricultor, tiene la confianza que podrá llevar a su hogar seguridad económica.

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
  • 511
    View loans »
    El Salvador Loans Fundraising
  • $31,386,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Clara Luz to buy chicken, meat, fruit, and vegetables wholesale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 5, 2012
May 25, 2012
Currency Exchange Loss:
Dec 15, 2012