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Noemi is forty-five years old and she lives with her life partner and their two children, Cristian and Brenda. She has been engaging in sewing for twenty years, and thanks to her experience she is able to create the best items of clothing. She works according to her customers’ tastes, sewing shirts, blouses and dresses among other clothes; she tries to keep up to date with her very good styles and her first-quality products. She already has many customers, as people prefer her because of her excellent service and her affordable prices. Noemi is a determined woman, devoted to her job; she is a tenacious person always waiting for new chances that will allow her to achieve her goals, and she is ready to work very hard to succeed. She wants to expand her activity because of the recent increase in the requests she receives, but as she needs money she is requesting a loan to INTEGRAL to buy cloth at wholesale prices, threads and needles. Noemi has good repayment references and she grants she will be able to repay her dues according to schedule. She hopes she will succeed in granting a better standard of living to her family.
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Noemi de cuarenta y cinco años de edad vive junto a su compañero de vida y sus dos hijos Cristian y Brenda, ella se dedica a la costura y tiene veinte años de experiencia que le permiten elaborar las mejores prendas, trabaja al gusto del cliente, cose camisas, blusas, vestidos entre otros, trata de estar a la vanguardia con muy buenos estilos y todo de primera calidad, ya tiene mucha clientela pues las personas la prefieren porque su servicio es excelente y los precios accesibles; Noemi es una mujer enérgica, dedicada a su labor, luchadora siempre esta a la expectativa de nuevas oportunidades que le permitan alcanzar el éxito y esta dispuesta a trabajar duro para lograrlo, quiere acrecentar el negocio, pues últimamente aumento la demanda pero para ello necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar tela por mayor, hilos, agujas, etc. Noemi tiene buenas referencias de pago y asume la responsabilidad de cancelar la deuda en el periodo establecido y al mismo tiempo tiene la esperanza que le dará a su familia una mejor calidad de vida.

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
  • 545
    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 Noemi to buy cloth at wholesale prices, threads and needles.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 11, 2012
Oct 1, 2012
Currency Exchange Loss:
Jan 25, 2014