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Maria Francisca
María Francisca lives with her three children in her own home. She sells dairy products such as cheese, cream, and cottage cheese, among others. She also sells good-quality firewood to help with her home expenses.

She has been in this business for several years, and her experience has been very valuable. This allows her to maintain quality in her work. The location of her business is very strategic, and her main customers are her neighbors. She has a large clientele because people know that everything she sells is of good quality at accessible prices. Her service is also excellent.

María is an active woman who is always ready to work. She wants to achieve her dreams and she will not rest until she does so. Her greatest dream is to grow her business. She wants to invest in supplies, but she does not have sufficient capital to do so. Therefore, she has applied for a loan from INTEGRAL which will allow her to buy wholesale dairy products, firewood, etc.

María Francisca is very responsible and she has good payment references. She guarantees that she will pay back this loan and she is also confident that her family will have a better life.
View original language description ↓
María Francisca vive junto a sus tres hijos en casa propia, ella posee una venta de lácteos, queso, crema, requesón, entre otros además para complementar los gastos del hogar vende leña de calidad, ya lleva varios años con el negocio y se ha hecho de experiencia muy valiosa que le permite mantener la calidad en su labor, la ubicación de su negocio es muy estratégica sus más grandes compradores son los vecinos, es mucha su clientela pues las personas saben que todo lo que vende es de calidad y a precios accesibles además el servicio es excelente; María es una mujer activa siempre está dispuesta a trabajar, quiere alcanzar sus sueños y no descansara hasta lograrlo; su más grande sueño es hacer crecer su negocio quiere invertir en insumos pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar lácteos por mayor, leña etc. María Francisca es muy responsable y tiene buenas referencias de pago asegura que pagara el financiamiento y a la vez confía en que su familia tendrá una mejor 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
  • 697
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Maria Francisca to buy wholesale dairy products and firewood.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 22, 2013
Feb 10, 2013
Currency Exchange Loss:
Sep 19, 2014