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Teresa Del Carmen
Teresa del Carmen is 34 years old and lives with her life partner and their children in their own house. She makes traditional embroidered cotton clothing including dresses, blouses, pants, etc., which are all made-to measure with quality materials and offered at excellent prices. Above all she gives very good customer service. Her business is based in her local market, where she is very well-known and has won a lot of valuable customers, putting her ahead of the competition. Teresa is an active woman and dedicated to her work with many dreams that she wants to fulfill. She wants to be successful and knows that the only way to achieve this is through perseverance and with a lot of motivation. Her business has been doing really well, and like any good businesswoman she needs to increase her production, but for that she needs sufficient capital to invest. For this reason, she is asking INTEGRAL for a loan in order to buy fabric, thread, needles, etc. Teresa del Carmen has good payment references and is of high moral standing. She is grateful for the support given to her and certain that she will be able to pay back her debt. She is also confident that in this way she will be able to offer her family a better quality of life, and one that they deserve.
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Teresa del Carmen de treinta y cuatro años de edad vive junto a su compañero de vida y sus hijos en casa propia. Ella se dedica a la confección de ropa artesanal elaborada con manta y bordado, vestidos, blusas, pantalones, todo al gusto del cliente, con material de primera calidad a excelentes precios pero sobre todo con excelente servicio, su negocio esta ubicado en el mercado de la localidad donde reside, es muy conocida y se ha hecho de clientela muy valiosa que le permite estar adelante de la competencia; Teresa es una mujer activa, dedicada a su labor, con muchos sueños que desea realizar, esta dispuesta a lograr el éxito piensa que solo con constancia y mucha motivación podrá alcanzarla, su negocio ha tomada mucho auge y como toda buena comerciante necesita acrecentar la producción pero para eso necesita de suficiente capital para la inversión por eso le solicita a INTEGRAL un crédito que le permita comprar telas, hilos, agujas, etc. Teresa del Carmen tiene buenas referencias de pago y una moral intachable, agradece el apoyo brindad,o segura poder saldar la deuda y a la vez tiene fe que podrá ofrecerle a su familia una mejor calidad de vida como se la merecen.

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
  • 374
    View loans »
    El Salvador Loans Fundraising
  • $31,244,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Teresa Del Carmen to buy fabric, thread, needles, etc. to make clothing to sell.
100% repaid
Repayment Term
24 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Nov 15, 2012
Currency Exchange Loss:
May 17, 2013