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Rita Morena
Rita Morena, age 53, lives with her two children in her own house. She has a bakery, and she makes a variety of bread. She makes sweet breads, rolls, quesadillas, tarts, cakes, pastries, and French bread, among others. She has been in this business for several years, and this has gifted her with a lot of experience. This allows her to get better bread with an exquisite taste.

The business is located in the place where she lives, and she already has a lot of customers. People prefer her because her product is first class at accessible prices. However, above all, they prefer her excellent service. Rita is a very hard-working woman.

She starts her work very early, and she puts forth all of her effort and dedication every day. She knows that at the end of her work day she will be able to share time with what is most important to her, her family.

Like all merchants, she wants to increase her business. However, she does not have the capital to do so. That is why she is requesting a loan from Integral. She will use the loan to buy flour, sugar, yeast, and milk, etc. Rita Morena has a good payment record, and she is sure that she will be able to settle her debt and also provide her household with financial security.
View original language description ↓
Rita Morena de cincuenta y tres años de edad vive junto a sus dos hijos en casa propia; ella posee una panadería y elabora pan en variedad dulce y salado, quesadillas, semita, tortas, pastelitos, pan francés, entre otros tiene varios años con el negocio y eso le ha regalado mucha experiencia que le permite obtener el mejor pan con un sabor exquisito, el negocio esta ubicado en el lugar donde vive ya tiene mucha clientela pues las personas la prefieren porque su producto es de primera calidad, a precios accesibles pero sobre todo con un excelente servicio; Rita es una mujer muy trabajadora desde muy temprano empieza su labor y pone cada día todo su esfuerzo y dedicación pues sabe que al final de la jornada de trabajo podrá compartir un momento con lo mas importante para ella su familia, como toda comerciante quiere acrecentar su negocio pero no posee de capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita comprar harina, azúcar, levadura, leche, etc. Rita Morena tiene buen record de pago, asegura poder saldar la deuda y a la vez ofrece 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
  • 699
    View loans »
    El Salvador Loans Fundraising
  • $29,661,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Rita Morena to buy flour, sugar, yeast, and milk.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 9, 2012
Aug 22, 2012
Currency Exchange Loss:
Dec 15, 2012