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Ana Margarita
Ana Margarita, sixty-eight years old, lives together with her life partner in their own house. Se buys and sells products from catalogs: cosmetics, perfumes, creams, among other. She has been working in this small business for several years, and this has given her a lot of experience in sales, which is why she has always obtained the best profits.

She sells both by traveling to different neighborhoods and from home, she is very well-known in the surroundings, and she has got a lot of fixed customers who prefer her because she always has what they need at affordable prices and with a service without equal.

Ana is a woman committed to her work, energetic and very active; she is always looking for new opportunities that allow her coming one step closer to success, because she does not think of quitting until achieving.

As any good salesperson, she wants to expand her business and invest in new merchandise, but for this she needs capital as back up. This is why she is asking INTEGRAL for a loan that allows her to buy cosmetics, perfumes, creams, etc. Ana Margarita has good payment references, she assures that she will be able to repay the loan within the established time and at the same time she will offer her family group a better quality of life.
View original language description ↓
Ana Margarita de sesenta y ocho años de edad vive junto a su compañero de vida en casa propia; ella se dedica a la compra y venta de productos por catalogo cosméticos, perfumes, cremas, entre otros, tiene varios años de trabajar en el pequeño negocio y eso le ha dado mucha experiencia en las ventas por lo que siempre obtiene las mejores ganancias, comercia de forma ambulante y desde su hogar, es muy conocida en los alrededores y se ha hecho de mucha clientela fija que la prefiere porque siempre tiene lo que necesitan a precios accesibles y con un servicio inigualable; Ana es una mujer dedicada a su labor, enérgica y muy activa siempre esta en la búsqueda de nuevas oportunidades que le permitan dar un paso mas cerca al éxito ya que no piensa rendirse hasta lograr, como toda buena comerciante quiere expandir su negocio e invertir en nueva mercadería pero para ello necesita de capital que lo respalde por eso le solicita a INTEGRAL un crédito que le permita comprar cosméticos, perfumes, cremas etc. Ana Margarita tiene buenas referencias de pago, asegura que podrá cancelar la deuda en el periodo establecido y a la vez le ofrecerá a su grupo familiar 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
  • 584
    View loans »
    El Salvador Loans Fundraising
  • $31,721,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Ana Margarita to buy cosmetics, perfumes and creams.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 8, 2012
Oct 7, 2012
Currency Exchange Loss:
Aug 18, 2013