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Nancy Esmeralda
Nancy Esmeralda, 26, lives with her life companion, Noé, and her son Jonathan. She has a bakery where she sells all types of savory and sweet bread like cakes, turnovers, rolls and French bread, among others. She’s been in business for several years and has gained quite a bit of experience cooking. She leases the space for the bakery and it’s in a strategic location with many passersby. She’s acquired a large clientele who prefer her because of the quality, good prices and exceptional service; she’s always at her customers’ disposal.

Nancy is a woman who’s dedicated to her work; she’s active and very tenacious. She works to the maximum degree every day to earn a better future for her and her family; they are the most important things in her life.

Like all good merchants, Nancy wants to increase business because she knows that if she increases production, profits will increase too. But to do so she needs capital which is why she’s asked Integral for a loan to buy flour, sugar, yeast, sweetener, milk, eggs, etc. Nancy Esmeralda has good payment references and is sure that she will be able to repay the loan while at the same time has faith that she will be able to bring economic security to her home.
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Nancy Esmeralda de veintiséis años de edad vive junto a su compañero de vida Noé y su hijo Jonathan; ella posee una panadería donde comercia pan en variedad dulce o salado, tortas, pastelitos, semitas, pan francés entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia en la cocina, el local es alquilado y esta ubicado en una zona estratégica muy transida por personas, se ha hecho de mucha clientela pues la prefieren por la calidad, los buenos precios y el servicio inigualable siempre a la orden del cliente; Nancy es una mujer dedicada a su labor, activa y muy luchadora, todos los días se esfuerza al máximo para ganarse un futuro mejor para ella y su familia ya que son lo mas importante en su vida; como toda buena comerciante quiere acrecentar el negocio pues sabe que si aumenta la producción también aumentaran las ganancias, pero para eso necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar harina, azúcar, levadura, dulce, leche, huevos, etc. Nancy Esmeralda tiene buenas referencias de pago y es responsable, asegura que podrá saldar la deuda y a la vez tiene fe que podrá llevar a su hogar seguridad economía.

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
  • 517
    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 $500 helped Nancy Esmeralda to buy flour, sugar, yeast, sweetener, milk and eggs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 4, 2012
Sep 18, 2012
Currency Exchange Loss:
Jul 20, 2013