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There are a lot of people with the desire to get ahead and improve themselves, and one of them is this young woman. With great effort she has managed to position herself and achieve what she has done up to today; she is very hard-working, positive, and entrepreneurial. She is looking for a new life far removed from crime. She lives together with her family, which is her rock and her most valuable treasure. She believes that it's never too late to give the best of yourself, and she has never gone off track with her ideas.

Currently she owns a beauty salon and also sells cosmetics. She is well known and already has a lot of customers who prefer her for the quality of her work and good prices. Recently demand increased and that's why she went to INTEGRAL and requested a loan. This is to buy tools for her job, like a dryer, iron, scissors and cosmetics, with the goal of updating the tools of her trade to offer services of superior quality. She is confident that she will be able to pay back the debt and at the same time, with God's help, she will be able to earn a better life for herself and her family.
View original language description ↓
Personas con deseo de salir adelante y superarse hay muchas y una de ellas es esta joven mujer que con esfuerzos ha logrado posicionarse y alcanzar lo que hasta hoy a logrado, es muy trabajadora, positiva y emprendedora, busca una vida nueva y completa alejada de la delincuencia, vive junto a su familia que son su pilar y tesoro mas preciado. Piensa que nunca es tarde para dar lo mejor de uno mismo y nunca ha decaído con sus ideas. Actualmente posee un salón de belleza y una venta de cosméticos, es muy conocida y ya tiene muchos clientes que la prefieren por la calidad de su labor y los buenos precios, últimamente aumento la demanda y es por eso que se acercó a INTEGRAL solicitando un crédito y así comprar utensilios de trabajo como secadora, plancha, tijeras y cosméticos a fin de renovar su equipo de trabajo y prestar un servicio de calidad superior. Confía que podrá saldar la deuda y a la vez con la ayuda de Dios podrá ganarse una vida mejor para ella y su familia.

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
  • 719
    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 $500 helped this borrower to buy a dryer, iron, scissors and cosmetics.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 30, 2012
Currency Exchange Loss:
May 17, 2013