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Marlene Concepcion
Marlene Concepción, 42, lives with her children. She sells clothing and household appliances, like pants, shirts, dresses, irons and blenders among other things. She’s been in this business for many years and has gained much experience in sales, which has allowed her to improve her financial gains. She works from home and also by foot around the community where she lives. She’s well-known and has gained a large clientele who prefer her for the quality, good prices and excellent service she provides. What sets Marlene apart is that she’s kind and honest. And because she’s so dedicated to her work, she’s always fighting to reach her goals. She knows that by putting in much effort and loving her job she’ll attain the success she so desires. In the last weeks, there’s been an increase in demand for her products and she’d like to take advantage of this by making a new investment in her business, but she doesn’t have enough capital to do it. That’s why she is requesting a loan from INTEGRAL to buy wholesale clothing and household appliances. Marlene Concepción has good payment references and irreproachable morals. She is certain she can pay back the loan and at the same time, she has the hope of giving her family a better quality of life.
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Marlene Concepción de cuarenta y dos años de edad vive junto a sus hijos; ella se dedica a la venta de ropa, pantalones, camisas, vestidos entre otros y electrodomésticos planchas, licuadoras y otros, tiene varios años con este negocio y se ha hecho de mucha experiencia en las ventas lo que le permite obtener las mejores ganancias; comercia desde su vivienda y de forma ambulante en las cercanías de la comunidad donde reside, es muy conocida y se ha hecho de mucha clientela que la prefiere por la calidad, los buenos precios y el excelente servicio; Marlene es una mujer que se caracteriza por su amabilidad, honestidad y por ser muy dedicada a su labor, siempre esta luchando por las metas que desea alcanzar y sabe que con esfuerzo y amor a su trabajo podrá lograr el éxito que tanto desea, en las ultimas semanas aumento la demanda y quiere aprovechar para realizar una nueva inversión, pero no posee de suficiente capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor y electrodomésticos. Marlene Concepción tiene buenas referencias de pago y una moral intachable, asegura que cancelara la deuda y a la vez 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
  • 697
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Marlene Concepcion buy wholesale clothing and household appliances.
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 16, 2012
Currency Exchange Loss:
Nov 15, 2012