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Clara Luz
Clara Luz is thirty six years old. She lives with her life's companion and their children. She works in agriculture, specifically raising and selling chickens. She also sells vegetables and candies to cover the household expenses. She has been working in this area for several years and has gained much experience, which allows her to obtain better earnings. Her little chicken farm is at her home and very accessible for work. She sells in the areas surrounding her community and has a lot of customers who prefer her because she always has what they need with quality products and above all excellent service. Clara is a woman who is dedicated to her work and who is very humble, energetic and a fighter. Every day she gets up ready to achieve her goals. She works as hard as she can because she knows that that is how she will reach the success she so desires. Last season she wasn't able to get the profits she was expecting and that is why she wants to recuperate and make a new investment. That is why she is asking INTEGRAL for a loan that will allow her to buy chickens and concentrate. Clara Luz has good payment references and impeccable morals. She is grateful for the help offered and she is sure she can pay off the debt. She also has faith that it will give her family a better quality of life like they deserve.
View original language description ↓
Clara Luz de treinta y seis años de edad vive junto a su compañero de vida y sus hijos; Ella se dedica a la agricultura específicamente a la crianza y venta de pollos además para complementar los gastos del hogar vende verduras y golosinas, tiene varios años de trabajar en el rubro y ha ganado mucha experiencia que le permite obtener las mejores ganancias, su pequeña granja de pollos esta en su vivienda muy accesible para trabajar, comercia en todos los alrededores de la comunidad y ya tiene mucha clientela que la prefiere porque siempre posee lo que necesitan, con producto de calidad, a precios accesibles pero sobre todo con un excelente servicio; Clara es una mujer dedicada a su labor, muy humilde, enérgica y luchadora, todos los días se levanta dispuesta a lograr sus metas, se esfuerza al máximo pues sabe que así alcanzara el éxito que tanto desea, en la ultima temporada no pudo obtener las ganancias esperadas por eso quiere recuperarse y realizar una nueva inversión para ello le solicita a INTEGRAL un crédito que le permita comprar pollos y concentrado. Clara Luz tiene buenas referencias de pago y una moral intachable, agradece la ayuda que le brindan y al mismo tiempo asegura que podrá saldar la deuda, a la vez tiene fe que le dará a su familia una mejor calidad de vida como se la merecen.

Additional Information

More information about this loan

This loan is part of Apoyo Integral's program to help subsistence farmers located in high-risk regions of El Salvador, including coastal strips, river banks, and volcano fault lines. The program, which offers reduced interest rates, targets farmers who don't qualify for formal funding due to their low-income and geographical risk. By funding this loan, you are helping Apoyo and a local non-governmental organization extend risk-tolerant credit to even more farmers.

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
  • 555
    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 $500 helped Clara Luz to buy chicken and concentrate.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Dec 28, 2012
Currency Exchange Loss:
Dec 19, 2013