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Delmy Ruth
Delmy Ruth is 42 years old, and lives with her life partner and her children in their own house. She has a store where she sells basic household necessities such as staple grains, milk, bread, eggs, cold cuts, and other items. She has several years with the business and has acquired a great deal of sales experience.

Her store is located in her home and is very well-known by local people, so she already has a regular clientele who prefer her for the good prices, quality, and excellent service.

Delmy is a woman devoted to her work and to her entire family; they are the two most important things in her life. She does her best every day to offer her family a better future and a decent life. She is attentive to all their needs.

In recent months, demand has increased and she wants to undertake a new investment. But Delmy does not have sufficient working capital to support her in this. That is why she made up her mind to apply to Integral for a loan that will allow her to buy staple grains, candy, instant products, drinks, etc.

Delmy Ruth has good payment references and is very responsible. She is confident she will be able to pay off the debt in the established timeframe, and at the same time give her family a full life.
View original language description ↓
Delmy Ruth de cuarenta y dos años de edad vive junto a su compañero de vida y sus hijos en casa propia; Ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, pan, huevos, embutidos, entre otros, tiene varios años con el negocio y se ha hecho de mucha experiencia en las ventas, esta ubicada en su vivienda y es muy conocida por las personas de la localidad por lo que ya tiene clientela fija que la prefiere por los buenos precios, la calidad y el servicio excelente; Delmy es una mujer dedicada a su labor y a toda su familia son las dos cosas mas importantes en su vida, se esfuerza todos los días por ofrecerles un futuro mejor y una vida digna, esta pendiente de todo lo que necesitan, en los últimos meses aumento la demanda y quiere realizar una nueva inversión pero Delmy no cuenta con el suficiente capital que la respalde por eso se decidió a solicitarle a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, producto instantáneo, bebidas etc., Delmy Ruth tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda en el periodo establecido y a la vez le dará a su familia una vida plena.

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
  • 705
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,000 helped Delmy Ruth to buy staple grains, candy, instant products, and drinks.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 11, 2012