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Teresa Carolina
Teresa Carolina lives together with her life partner and their three children; she has a store where she sells basic needs items, like basic grains, milk, eggs, bread, and soap, among others. She has had this business for some years and has gained valuable sales experience that allows her to get better earnings.

She sells from her home, which is in a well-frequented area. She is always ahead of her competition, as her store is the best-stocked. Her customers prefer her because of her quality, good prices, and the excellent service.

Teresa is a woman who is dedicated to her work and active, with many goals that she wishes to reach. Day after day, she makes an effort with perseverance and love for her work, because she knows that only in this way will she achieve the success that she desires so much.

In the last month of sales, her demand increased, and she wants to take advantage of this in order to make a new investment. Therefore, she is requesting a loan from Integral that will allow her to buy basic grains, candy, instant products, eggs, drinks, soap, etc.

Teresa Carolina has good payment references and irreproachable morals. She is grateful for the support, and she assures that she will be able to pay off the debt. At the same time, she trusts that she will give her family a better quality of life.
View original language description ↓
Teresa Carolina vive junto a su compañero de vida y sus tres hijos; ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, huevos, pan, jabones entre otros, tiene varios años con el negocio y se ha hecho de experiencia valiosa en las ventas que le permite obtener las mejores ganancias, comercia desde su hogar que esta en una zona muy transitada, siempre esta delante de su competencia pues su tienda es la mas surtida, los clientes la prefieren por la calidad, los buenos precios y el excelente servicio; Teresa es una mujer dedicada a su labor, activa y con muchas metas que desea alcanzar, dia a dia se esfuerza con constancia y amor al trabajo porque sabe que así logrará el éxito que tanto desea, en el ultimo mes de venta aumento la demanda y quiere aprovechar para realizar una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, producto instantáneo, huevos, bebidas, jabones, etc. Teresa Carolina tiene buenas referencias de pago y una moral intachable, esta agradecida con el apoyo y asegura que podrá saldar la deuda, a la vez confía que le dará 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
  • 549
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Teresa Carolina to purchase basic grains, candy, instant products, eggs, drinks, and soap.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 5, 2013
Feb 18, 2013
Currency Exchange Loss:
Mar 17, 2014