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Norma Carolina
Norma, 35 years old, is a happy and responsible person. She lives with her husband and two young daughters who go to school.

Norma works very hard in order to provide the necessary help to her husband and thus bring a livelihood to their home in her own bakery where she is in charge of making sweet and salted bread, and which is later sold by traveling about with the help of another person.

The stability of this business is very important for her and her family. The main reason that she is asking for a loan through Integral, is in order to buy flour, butter, honey, sugar, yeast, and other raw materials in order to make more bread.

Norma is very dedicated to her work allowing her to have satisfied customers who use her products daily, which is why she wants to improve even more.
View original language description ↓
Norma de 35 años de edad es una persona muy alegre y responsable, ella vive junto a tu esposo y dos hijas menores de edad, quienes se dedican a estudiar. Norma trabaja muy duro para brindarle la ayuda necesaria a su esposo y así llevar el sustento diario a su hogar en su propia panadería en donde se encarga de realizar pan dulce y salado, y que posteriormente comercializa de forma ambulante con la ayuda de otra persona. La estabilidad de este negocio es muy importante para ella y su familia, razón principal por lo que solicita un préstamo a INTEGRAL, para comprar harina, manteca, miel, azúcar, levadura y otra materia prima para elaborar más pan. Norma es muy dedicada a su trabajo lo que le permite contar con clientes satisfechos que consumen a diario sus productos, por lo que desea mejorar aún más.

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
  • 514
    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 $600 helped Norma Carolina to buy raw materials such as flour, butter, honey, sugar, and yeast to make bread in her own bakery.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 15, 2012
Nov 11, 2012
Currency Exchange Loss:
Nov 17, 2013