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Teresa lives with her daughter Maria and her grandson Oswaldo in her own home. She works selling clothing and perfumes. She has worked at this business for several years, is very profitable, and is well known in the commercial zones surrounding the community where she lives. She has clothing for women, men and children. The people prefer her because she always has what they need: skirts, dresses, pants, t-shirts, etc., all of the best quality and at accessible prices.

In addition to offering good service, Teresa is a woman warrior dedicated to her work, always expecting new challenges that allow her to reach success. In the last few months, the demand for her product has grown thanks to her experience in sales. Now to increase her earnings, she wants to invest anew, but she doesn't have sufficient capital. For this reason, she asks INTEGRAL for a loan that will allow her to buy clothing for the elderly and perfumes. Teresa has a good record of repayment and is very responsible. She is sure that she can repay the debt and at the same time offer her family a full life.
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Teresa vive junto a su hija María y su nieto Oswaldo en casa propia, ella se dedica a la venta de ropa y perfumes, tiene varios años con el negocio y es muy rentable, es muy conocida en las zonas donde comercia, a los alrededores de la comunidad donde vive, posee ropa para damas, caballeros y niños, las personas la prefieren porque siempre tiene lo que necesitan faldas, vestidos, pantalones, camisas etc., todo de primera calidad y a precios accesibles además de un buen servicio, Teresa es una mujer luchadora entregada a su labor, siempre esta a la expectativa de nuevos retos que le permitan alcanzar el éxito, en estos últimos meses la demanda de su producto aumento gracias a su experiencia en las ventas, ahora para aumentar las ganancias quiere invertir de nuevo pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor y perfumes. Teresa tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda y a la vez ofrecerle 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
  • 523
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Teresa to buy clothing for the elderly and perfumes.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 8, 2012
Sep 8, 2012
Currency Exchange Loss:
Aug 18, 2013