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Sandra Emerita
Sandra Emérita, 32, lives with her family in a house; she’s been selling tortillas for several years now. She’s humble, determined, enterprising woman who wants a better future for her and her family; this is what’s most important to her and what pushes her to seek better life opportunities. She needs to have low-cost electricity at home that will improve their quality of life because this is a basic need nowadays. Sandra does not have credit references but has decided to ask Integral for a loan to buy an ecological lamp that will provide her with an effective, friendly solution in her environment that’s low-cost and also a source of renewable energy. Sandra Emérita is very happy and satisfied with the support and assures that she’ll repay the loan. At the same time, she trusts in God that she’ll be able to provide her family with the life they deserve.
View original language description ↓
Sandra Emérita de treinta y dos años de edad vive junto a su familia en casa de habitación, ella se dedica a la venta de tortillas desde hace ya varios años, es una mujer humilde, decidida y emprendedora quiere un futuro mejor para ella y los miembros de su hogar que son lo mas importante y lo que la impulsa a buscar mejores oportunidades de vida, en su vivienda necesitan energía eléctrica ahorrativa que mejore su calidad de vida, pues hoy en dia es una necesidad fundamental, Sandra no tiene referencias crediticias pero se decidió a solicitarle a INTEGRAL un credito que le permita comprar una lámpara ecológica que le brinde una solución efectiva y amigable a su entorno ya que es de bajo costo, y además con energía auto renovable. Sandra Emérita esta muy feliz y satisfecha con el apoyo, asegura que cancelara la deuda y a la vez tiene fe en Dios que le ofrecerá a su familia la vida que se merecen.

Additional Information

More information about this loan

This loan will help a low-income family purchase environmentally-friendly goods and equipment, including solar products (lights, water pumps, heaters), biodigesters, energy-efficient light bulbs and gas stoves. Lacking electricity, many people in rural El Salvador are forced to use firewood for cooking and kerosene for lighting, expensive solutions that endanger their health and well-being. By funding this loan, you are providing access to greener, healthier alternatives.

This Kiva loan will be either be a cash laon or an in-kind loan.  An in-kind loan is used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 601
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $150 helped Sandra Emerita to buy an ecological lamp.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2012
Nov 22, 2012
Currency Exchange Loss:
Nov 17, 2013