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Carmen Elena
Carmen Elena is thirty five and lives with her life partner and their children. She makes a living selling clothes and sandals, and has a variety of merchandise for women, men, and children, including shirts, pants, dresses, and blouses. She has been running her business for several years and has gained a lot of sales experience which helps her to achieve her sales targets. She is a mobile vendor and also sells from home and has a lot of customers because people know that she sells good quality and affordable merchandise and also offers excellent customer service.

Carmen is an enterprising woman with a drive to get ahead in life and she is always looking for opportunites to achieve success. She has been wanting to grow her business for a while, but has not had enough money to invest in supplies. This is why she is requesting a loan from INTEGRAL so that she can buy clothes and sandals at wholesale. Carmen Elena has a good repayment references and is very responsible. She pledges to repay the loan and at the same time give her family a better quality of life.
View original language description ↓
Carmen Elena de treinta y cinco años de edad vive junto a su compañero de vida y sus hijos; ella se dedica a la venta de ropa y sandalias, tiene en variedad para damas, caballeros y niños, camisas, pantalones, vestidos, blusas entre otros; posee varios años con el negocio y se ha hecho de mucha experiencia en las ventas que le permite alcanzar las ganancias esperadas, comercia de forma ambulante y desde su hogar, ya tiene mucha clientela pues las personas saben que todo lo que comercia es de primera calidad y a precios accesibles además el servicio es excelente; Carmen es una mujer emprendedora con muchas ganas de salir adelante siempre está a la expectativa de nuevas oportunidades que le permitan alcanzar el éxito, desde hace mucho tiempo quiere acrecentar el negocio pero no posee del suficiente capital para invertir en los insumos por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor y sandalias. Carmen Elena tiene buenas referencias de pago y es muy responsable asegura que podrá cancelar la deuda y a la vez le darle a su familia una mejor calidad de vida.

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
  • 461
    View loans »
    El Salvador Loans Fundraising
  • $31,320,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Carmen Elena to buy clothes and sandals at wholesale to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Dec 1, 2012
Currency Exchange Loss:
Sep 17, 2013