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This young woman is 25 years old and is starting a business selling articles from a catalogue like creams, cosmetics, and perfumes, among other things. She wants to have a new start and avoid a life of crime. It's one of the best decisions she has made, and her family is ready to give her their support. She sells from her home and on the street. She has gained sales experience and this allows her to earn a good income. She has gotten a lot of customers because people like her for the quality of the products, the affordable prices, and the excellent service. She is an active, enterprising woman who is dedicated to her work and has a lot of goals that she would like to achieve. She is working hard to gain a more prosperous future. She is very happy with the business. In the past few weeks, demand has risen, which is why she wants to make a new investment. This is why she is applying to INTEGRAL for a loan that will allow her to buy cremes, perfumes, and cosmetics. She has good payment references and she is responsible. She promises to pay off the loan and she is hopeful that it will bring economic security to her home.
View original language description ↓
joven de veinticinco años de edad, esta empezando un negocio de venta de artículos por catálogo como cremas, cosméticos, perfumes entre otros, quiere tener un nuevo comienzo y evitar la vida de delincuencia, es una de las mejores decisiones que ha tomado y su grupo familiar esta dispuesto a darle su apoyo, comercia desde su hogar y de forma ambulante, ha adquirido experiencia en las ventas y eso le permite obtener buenas ganancias, se ha hecho de mucha clientela pues las personas le prefieren por la calidad, los precios accesibles y el excelente servicio; es una mujer activa, emprendedora, dedicada a su labor, y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero, se siente muy contenta con el negocio y en las ultimas semanas aumento la demanda por lo que quiere realizar una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar cremas, perfumes y cosméticos. La joven tiene buenas referencias de pago y es responsable, se compromete a cancelar la deuda y a la vez tiene la esperanza que llevará a su hogar seguridad económica.

Additional Information

More information about this loan

This loan is part of a pilot project Apoyo Integral is launching in conjunction with several local NGOs to support at-risk youth and their families with funding from Kiva. This loan product is tailored to young people who find themselves in high-risk situations because they are located in areas affected by extreme violence. Loans are combined with vocational, technical, and financial training to help these young people develop business ideas that will help them generate income, reintegrate into society, and support their dreams of being productive and contributing members of society.   

Due to potential safety risks facing these youth, some of the loans are being disbursed to their parents in order to protect their identities. For the same reason, the faces of some Apoyo Integral borrowers may be blurred in photos. Apoyo Integral appreciates Kiva lenders' understanding of these challenges and encourages them to provide much-needed support to at-risk Salvadoran youth.

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
  • 723
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped this borrower cremas, perfumes y cosméticos.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 23, 2012
Currency Exchange Loss:
Jun 18, 2013