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Irma is 40 years of age and lives together with her life companion and her 8 children. She sells clothes, shirts, pants and dresses among other items. She has had her business for several years and she has much experience in sales. She carries out her business as a travelling saleswoman and already has many customers. People know that everything that Irma sells is of very good quality and accessible prices. Also, the service is unsurpassable. She is a woman who is very determined in her desire to get ahead. She likes to take advantage of the opportunities that present themselves because she knows that only in this way will she achieve success.

For a long time she has wanted to increase sales, since she knows that in this way her profits would increase. She does not have sufficient capital to invest in supplies and because of this is requesting a loan from INTEGRAL which would allow her to buy clothes wholesale. Irma is very responsible and has excellent references of payment. She feels happy with the help because she maintains that she will be able to pay off the financing and at the same time offer a better quality of life to her family.
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Irma de cuarenta años de edad vive junto a su compañero de vida y sus ocho hijos, ella se dedica a la venta de ropa, camisas, pantalones, vestidos entre otros, tiene varios años con el negocio y se ha hecho de mucha experiencia en las ventas, su negocio lo realiza de forma ambulante y ya tiene mucho clientela las personas saben que todo lo que vende Irma, es de muy buena calidad y a precios accesibles además el servicio es inigualable; es una mujer decidida con muchas ganas de salir adelante, le gusta aprovechar las oportunidades que se le presentan porque sabe que solo así logrará el éxito; desde hace mucho tiempo quiere aumentar las ventas, pues sabe que así aumentaran sus ganancias, no posee de suficiente capital para invertir en insumos por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor. Irma es muy responsable y tiene excelentes referencias de pago, se siente contenta con la ayuda por lo que asegura que podrá cancelar el financiamiento y a la vez ofrecerle mejor calidad de vida para su familia.

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
  • 496
    View loans »
    El Salvador Loans Fundraising
  • $31,356,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Irma to buy clothes wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013