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In life, there are hard and difficult times, but the desire to make headway is always right in front of us. This man is a clear example of that. He lives with his family, for whom his biggest desire is for them to be successful and have a prosperous future. He knows that you can never let the adversities in life defeat you, even though he is surrounded by a very violent society where he lives. He is a hardworking and honest man with good relationships with his neighbors. He has a general store selling products of primary need, attracting customers looking for quality and good prices. Demand has increased in the past weeks, and sadly he doesn't have enough capital to purchase more supplies, so he is requesting a loan from Kiva partner Apoyo Integral to purchase basic grains, milk, eggs, bread and other items. In this way, he will give his customers more variety, increase his profits and have faith that he can give his family a better quality of life.
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En la vida existen momentos duros y difíciles pero el deseo de salir adelante siempre esta frente a nuestros ojos. Este hombre es un claro ejemplo de ello; vive junto a su familia quienes tienen el mejor deseo de que tenga éxito y un futuro mas prospero, sabe que nunca hay que dejarse vencer por las adversidades de la vida, aún rodeados de una fuerte violencia social de la que es victima la localidad en la que viven. Es un hombre muy trabajador y honesto con buenas relaciones en el lugar de residencia. El posee una tienda donde vende artículos de primera necesidad se ha hecho de clientes que lo prefieren por la calidad y los buenos precios. Aumento la demanda en las últimas semanas y lamentablemente no tiene el capital suficiente para una nueva inversión en mercadería, por lo que solicita a INTEGRAL un credito para la compra de granos basicos, leche, huevos, pan, entre otros. De esta forma le dará variedad a sus clientes, lograra mayores ganancias y a la vez tendrá fe que asi le dará a su familia 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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,040,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped this borrower to purchase basic grains, milk, eggs and bread.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 6, 2012
Oct 30, 2012
Currency Exchange Loss:
Jul 17, 2014