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Jovita, who is 49 years old, lives with her common-law husband and her son. She has a store where she sells basic necessities such as beans, rice, bread, milk, eggs, sugar, and soap, among other things. She has many years of experience with the business and this has given her a good deal of experience in sales that allows her to always earn a good income. She is very well-known in the area. The people recommend her because her store is always well-stocked, and she always has what people need at good prices, with high-quality products and excellent service.

Jovita is a woman who is very dedicated to her work. She is energetic, and very motivated to get ahead. She enjoys fighting for her dreams, and knows that if she puts forth maximum effort, she will achieve what she has wanted and will have great success in her life. Like all good business-people she wants to grow her business and create a new investment. It is for this reason that she is asking for a loan from INTEGRAL which will allow her to purchase basic grains, candy, drink mixes, drinks, soaps, etc. Jovita has good references and impeccable morals, and is sure that she will be able to pay the debt and at the same time is confident that she will be able to bring her home economic security.
View original language description ↓
Jovita de cuarenta y nueve años de edad vive junto a su compañero de vida y su hijo, ella posee una tienda donde vende artículos de primera necesidad frijoles, arroz, pan, leche, huevos, azúcar, jabones entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia en las ventas que le permite obtener siempre las mejores ganancias, es muy conocida en la localidad la gente la recomienda porque su tienda es muy surtida siempre tiene lo que las personas necesitan a precios accesibles, con producto de calidad y un servicio excelente; Jovita es una mujer dedicada a su labor, enérgica, y muy motivada a salir adelante, le gusta luchar por sus sueños sabe que si se esfuerza al máximo lograra lo que se propone y tendrá mucho éxito en su vida. Como toda buena comerciante quiere acrecentar el negocio y realizar una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, pan, producto instantáneo, bebidas, jabones, etc. Jovita tiene buenas referencias de pago y una moral intachable, tiene la certeza que podrá saldar la deuda y a la vez confía en que llevara a su hogar seguridad económica.

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
  • 553
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jovita to purchase basic grains, candy, bread, drink mixes, drinks, and soaps for her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 12, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 21, 2014