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Marta Noemí
Marta Noemí is 33 years old and lives together with her life partner and her son. She has a dessert shop where she makes different kinds of desserts according to her customers' tastes. She has had this business for several years, and that has given her a great deal of cooking experience. She is well known by people, as her desserts are the most exquisite. She has earned many customers' business because everything she sells is made with top quality ingredients, and sold at accessible prices and with excellent service.

Marta is an enterprising woman with a strong desire to get ahead. Day after day, she gets up with the hope of earning a more prosperous future, and she works very hard to achieve that success. For the last few months, product demand has increased and she wants to take advantage of that to expand the business. She needs to invest, but doesn't have sufficient capital. That is why she is requesting a loan from INTEGRAL that will allow her to buy flour, milk, whipping cream, yeast, eggs, sugar, etc.

Marta Noemí has good credit references and is responsible. She is sure that she will be able to pay off the debt while at the same time giving her family a better life.
View original language description ↓
Marta Noemí de treinta y tres años de edad vive junto a su compañero de vida y su hijo; ella posee una pastelería, elabora diferentes clases de pasteles al gusto del cliente, tiene varios años con el negocio y eso le ha regalado mucha experiencia en la cocina, es muy conocida por las personas pues sus pasteles son los mas exquisitos, se ha hecho de mucha clientela la prefieren por que todo lo que comercia es elaborado con material de primera calidad, a precios accesibles y con un excelente servicio; Marta es una mujer emprendedora con muchas ganas de salir adelante, día con día se levanta con la esperanza de ganar un futuro mas prospero y trabaja muy duro para lograr ese éxito, desde hace algunos meses aumento la demanda de producto y quiere aprovechar para expandir el negocio, necesita invertir pero no posee de suficiente capital por eso le solicita a IINTEGRAL un crédito que le permita comprar harina, leche, crema dulce, levadura, huevos, azúcar, etc. Marta Noemí tiene buenas referencias de pago, es responsable asegura que podrá saldar la deuda y a la vez tiene fe que le ofrecerá a su familia una vida mejor.

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
  • 491
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Marta Noemí to buy flour, milk, whipping cream, yeast, eggs, and sugar.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 3, 2012
Sep 17, 2012
Currency Exchange Loss:
Feb 17, 2013