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Teresa De Jesus
At 53 years old Teresa works selling beauty products such as lotions, deodorants and products from a catalog.

She works as a mobile vendor and thanks to her charisma has managed to gain the trust of many customers who prefer her more every day.

She has noticed a small increase in the demand for her products so she has decided to invest in broadening her inventory.
Thus, she is requesting this loan from FUSAI to buy a variety of lotions, skin creams, deodorants, etc.

She hopes to grow her business and increase her income which would enable her to give her child a better life.
View original language description ↓

A sus 53 años de edad Teresa trabaja como comerciante de productos de belleza como lociones, desodorantes y productos por catálogo. La venta la realiza de manera ambulante y gracias a su carisma ha logrado ganarse la confianza de muchos clientes que cada día la prefieren más. Ha notado un pequeño aumento en la demanda de sus productos por lo que ha tomado la decisión de invertir en un mayor inventario por lo que solicita este crédito a FUSAI la compra de variedad de lociones, cremas para la piel, desodorantes, etc. De esta forma espera hacer crecer su negocio e incrementar sus ingresos los cuales le permitan dar a su hijo mejores condiciones de vida.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

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
  • 382
    View loans »
    El Salvador Loans Fundraising
  • $31,278,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Teresa De Jesus to purchase lotions, skin creams, deodorants, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 25, 2013
Currency Exchange Loss:
Dec 20, 2013