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Rosa María

Update on Rosa María

Rosa María lives with her life companion, Antonio, her children and her mother in her own house. She works selling traditional cadies made from caramel, coconut and tamarind, among others. She has much experience in this which allows her to make the most delicious candy and earn good profits. She sells both at home and from place to place. She’s acquired a large number of regular customers who prefer her because she always has what they need at affordable prices with good quality products and excellent service.

Rosa María is a successful, enterprising woman who is very dedicated to her work. She’s always looking for new opportunities that will lead to success. Demand has increased in recent weeks and she wants to take advantage of this and make a new investment but needs capital to do so which is why she’s asking INTEGRAL for a loan to buy milk, coconut, tamarind, etc. Rosa María has good payment references and assures that she will be able to repay the loan while being confident that she’ll give her family better quality of life.
View original language description ↓
Rosa María vive junto a su compañero de vida Antonio, sus hijos y su madre en casa propia, ella se dedica a la venta de dulces tradicionales, dulce de leche, de coco, de tamarindo entre otros tiene mucha experiencia en la materia que le permite obtener los dulces mas exquisitos y con muy buena ganancias, comercia desde su casa y de forma ambulante, se ha hecho de mucha clientela fija que lo prefiere porque siempre tiene lo que necesitan precios accesibles, con producto de calidad y con un excelente servicio; Rosa María es una mujer exitosa, emprendedora y muy dedicada a su labor, siempre esta en la búsqueda de nuevas oportunidades que le permitan alcanzar el éxito, en las ultimas semanas aumento la demanda y quiere aprovechar para la inversión, para ello necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar leche, coco, tamarindo, etc. Rosa María tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez confía que le dará a su familia una mejor calidad de vida.

Previous Loan Details

Rosa María E. D. B., 39, lives with her husband and their 3 minor children, who, thanks to a lot of effort, are all in school. Rosa lives with her family in Sensuntepeque in the Cuscatlán department. She has her own business where she sells sweets that are typical of El Salvador such as coconut... More from Rosa María's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 382
    View loans »
    El Salvador Loans Fundraising
  • $31,259,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Rosa María to buy milk, coconut, tamarind and strawberries.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 17, 2012
Oct 11, 2012
Currency Exchange Loss:
Jul 20, 2013