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Elsa Ermita
Elsa Ermita is known as a very responsible and hard-working person who struggles alongside her husband to advance her home and her family. Elsa works as a cosmotologist, cutting hair, tinting, doing permanents and other services in her home and in the homes of her customers. She can count on an acceptable number of clients.

Elsa is requesting a loan to improve her house. She needs to construct a room where she can conduct her cosmotology work. To do that, she needs to purchase cement, bricks, sheet steel, sand, and other construction materials for building walls, a floor, and also to hire skilled persons to do the work. With this loan, Elsa has hopes of improving her business and offering customers a more appropriate place for conducting her beauty parlor services.
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Elsa Ermita, se destaca por ser una persona muy responsable y trabajadora, quien lucha al lado de su esposo para sacar adelante a su hogar y su familia. Elsa trabaja como cosmetóloga, realizando cortes de cabello, tientes, planchados, y otros servicios más, tanto en su hogar como a domicilio, contando con una cantidad aceptable de clientes. Elsa solicita un préstamo por medio del cual pueda mejorar su casa, ella necesita construir una habitación en la cual pueda realizar su trabajo de cosmetología por lo que necesita comprar cemento, ladrillos, láminas, arena y otros materiales de construcción para realizar los muros, el piso y así mismo para contratar a las personas adecuadas para que realicen el trabajo. Con lo anterior Elsa tiene la esperanza de mejorar su negocio y brindarles a sus clientes un lugar más apto para realizar su trabajo de belleza.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 441
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Elsa Ermita buy bricks, cement, and steel sheets to construct a room she can use as a beauty parlor.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 21, 2012
Jul 1, 2012
Currency Exchange Loss:
Jun 19, 2014