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The desire to better herself is one of the most important dreams of a thirty-year-old young woman who lives with her family. She owns a shop, where she sells basic necessities such as bulk grains, milk, and eggs, among others. She has a lot of experience in sales and this helps her to obtain very good profits. She has built up a good customer base as the people prefer her business for the quality of the products that she sells, as well as for the reasonable prices and the excellent service that is always at the customers' disposal. She is an enterprising woman who is dedicated to her work and who struggles every day to achieve a better future with new ideals and not be influenced by the social violence of her country. She is doing her utmost as she is happy with her work and does not want to let her family down.

In recent months, demand has increased and she wants to take the opportunity to make a new investment. For this reason, she is requesting a loan from Integral that will allow her to buy bulk grains, candy, instant food products, drinks, etc. She has good references to vouch for her payment history and is very responsible. She promises to pay off the debt and at the same time believes it can bring economic security to her home.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de una joven mujer de treinta años de edad que vive junto a su grupo familiar, ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, huevos, entre otros, tiene mucha experiencia en las ventas y eso le ayuda obtener muy buenas ganancias, se ha hecho de mucha clientela pues las personas la prefieren por la calidad de los productos que comercia, por los precios accesibles y por el excelente servicio, siempre a la orden de los clientes; es una mujer emprendedora, dedicada a su labor todos los días lucha por conseguir un futuro mejor con nuevos ideales y no ser influenciada por la violencia social de su país, se esta esforzando al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en los últimos meses 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, bebidas etc. Tiene buenas referencias de pago y es muy responsable, se compromete a cancelar la deuda y a la vez tiene fe que podrá llevar 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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped this borrower bulk grains, candy, instant food products, and drinks.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 23, 2012
Currency Exchange Loss:
Apr 16, 2014