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Every person thinks that it is good to better oneself and find a path that leads to success. This young person is seeking the best option that will allow her to find a more prosperous future, removed from crime and poverty. She chose to begin a new business that helps her with household expenses. Using her best skills, she makes and sells tortillas, since it is very profitable and she has experience that allows her to obtain the best earnings. She has acquired many customers who prefer her for the quality, the affordable prices, and the most rapid service. She is a woman who is dedicated to her work, entrepreneurial, and very hard-working. Day after day, she applies herself to her work, because she knows that this way she will obtain what she wants so much. She is very happy and serene in her business, and in these recent weeks in which demand increased, she verified the need to make a new investment, but she does not have sufficient capital to back her up, and so she is applying to INTEGRAL for a loan that will allow her to buy corn wholesale. She has good payment references and is very responsible. She promises to pay off her debt, and at the same time she is confident that she will give her family group a better quality of life.
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Toda persona piensa que es bueno superarse y encontrar un camino que lo lleve al éxito, esta joven esta buscando la mejor opción que le permita encontrar un futuro mas prospero alejada de la delincuencia y pobreza, opto por comenzar con un nuevo negocio que le ayuda con los gastos de su hogar, aplicando sus mejores habilidades. Se dedica a la venta de tortillas pues es muy rentable y tiene experiencia que le permite obtener las mejores ganancias, se ha hecho de mucha clientela que la prefiere por la calidad, los precios accesibles y por el servicio mas rápido; es una mujer dedicada a su labor, emprendedora y muy luchadora, día a día se esfuerza en el trabajo porque sabe que así obtendrá lo que tanto desea, esta muy contenta y tranquila con su negocio y en estas últimas semanas que aumento la demanda, confirmo la necesidad de realizar una nueva inversión, pero no posee de suficiente capital que la respalde por eso solicita a INTEGRAL un crédito que le permita comprar maíz por mayor. Tiene buenas referencias de pago y es muy responsable, se compromete a cancelar la deuda y a la vez confía que le dará a su grupo familiar una mejor calidad de vida.

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
  • 763
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy corn wholesale.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Sep 28, 2012
Oct 23, 2012
Currency Exchange Loss:
Dec 17, 2014