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Norma Luz

Update on Norma Luz

43-year old Norma is a single mother. She is a very responsible woman whose main priority is to see her two children do well in life. She has a business selling the tortillas she has made between midday and the evening. Her business is located in her house, and her daughters help her distribute the tortillas especially at weekends.

Norma really wants to improve her business because it provides a stable income that allows her to support her family. For this reason she is seeking a loan to buy corn in bulk and lime so she can make a greater quantity of tortillas especially on weekends when demand increases because many other tortilla makers close their businesses. In this way she will be able to earn more money allowing her to have more financial stability.
View original language description ↓
Norma 43 años de edad, es una madre soltera, la cual es muy responsable y quien tiene como prioridad principal sacar adelante a sus dos hijas. Ella posee una venta de tortillas, en la cual se encarga de elaborar cada mediodía y cada noche. Su negocio esta ubicado en su casa de habitación lugar en el cual sus hijas le ayudan a repartir las tortillas, sobretodo en los fines de semana. Norma desea mucho poder mejorar su negocio, ya que este brinda ganancias muy estables, lo cual le permite sostener a su familia, es por esto que solicita un préstamo por medio del cual pueda comprar maíz por mayor y cal, esto para elaborar mayor cantidad de tortillas, sobretodo los fines de semana que su demanda se incrementa debido a que muchas otras tortillerías están cerradas y asi ella pueda obtener mayores ganancias las cuales le permitan mejorar su estabilidad economica.

Previous Loan Details

Forty-one year old Norma Luz S. D. G. is a single mother who is very responsible and whose priority is to raise her children. One is a seven year old girl and another is fifteen years old, they are both students. Norma lives with her daughters in the Ilopango municipality in the San Salvador de... More from Norma Luz's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 545
    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 $550 helped Norma Luz buy corn to make tortillas.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 13, 2013
Currency Exchange Loss:
Jun 19, 2014