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Francisca Haydee
Francisca is 38 years old and lives with her husband and two minor children. She works selling cosmetics such as hair and body creams, lipstick, eyeshadow, blush and others, as well as perfumes. She sells everything from her house and also as a traveling salesperson in order to obtain more customers and improve her sales. Francisca obtains her products by catalog and also invests in purchasing products on sale to later sell them physically, since many people often get excited when they actually see the products.

Francisca is applying for a loan from INTEGRAL in order to increase her inventory for the Christmas season, when sales increase significantly, allowing her greater earnings. The latter is her main desire, so that she can save for the month of January and invest in school supplies for her children.
View original language description ↓
Francisca de 38 años de edad, vive junto a su esposo y dos hijos menores de edad. Ella trabaja comercializando cosméticos como: cremas para el cabello y cuerpo, labiales, sombras, rubores, y otros más, y así mismo vende perfumes, todo lo comercializa desde su casa y de forma ambulante para obtener más clientes y mejorar sus ventas, Francisca ofrece sus productos por catalogo y así mismo invierte en compras de productos en oferta para luego comercializar de forma física con lo que muchas personas en ocasiones se entusiasman más al ver el productos. Francisca solicita un préstamo a INTEGRAL, y de esta forma aumentar su inventario para época navideña, en donde las ventas se incrementan significativamente permitiéndole tener mayores ganancias lo cual es el principal deseo de ella y así ahorrar para el mes de enero e invertir en útiles escolares para sus hijos.

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
  • 523
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Francisca Haydee to buy cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Dec 10, 2012
Currency Exchange Loss:
May 17, 2013