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Patricia Del Carmen
Patricia del Carmen, 29, lives with her life companion and their daughter. She has a stationery shop where she sells all sorts of articles like notebooks, mechanical pencils, paper and decals, among others. The business is located at home and she’s had it for several years. She feels happy and proud that it’s had the desired results. She has a large clientele because people know that what she sells is top quality, her prices are affordable and her service is second to none.

Patricia is a woman who is very committed to her work; she’s always looking for ways to make her dreams a reality. For her, life is an uphill climb but when one reaches the top everything is happiness.

She wants to invest in her business because demand has increased and she does not want to disappoint her customers. She needs capital so has asked INTEGRAL for a loan to buy notebooks, paper, mechanical pencils, etc.

Patricia del Carmen is very responsible and has good payment references. She is sure that she’ll be able to repay the loan and at the same time give her family a fulfilled life.
View original language description ↓
Patricia del Carmen de veintinueve años de edad vive junto a su compañero de vida y su hija, ella posee una librería, donde comercia todo tipo de artículos cuadernos, lapiceros, papel, calcomanías entre otros, el negocio está ubicado en su residencia y tiene varios años de poseerlo, se siente feliz y orgullosa que pudo lograr que le diera los resultados esperados, tiene mucha clientela pues las personas saben que todo lo que vende es de primera calidad, a precios accesibles y con un servicio inigualable; Patricia es una mujer dedicada a su labor, siempre está buscando cumplir sus sueños, para ella la vida es cuesta arriba, pero cuando se llega a la cima todo es felicidad, quiere invertir en su negocio porque aumento la demanda y no quiere decepcionar a sus clientes necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar cuadernos, papel, lapicero, etc. Patricia del Carmen es muy responsable y tiene buenas referencias de pago, tiene la certeza que podrá saldar la deuda y a la vez darle a su familia una vida plena.

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
  • 553
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Patricia Del Carmen to buy notebooks, paper and pencils.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 29, 2012
Jul 2, 2012
Currency Exchange Loss:
Jul 20, 2013