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The motivation to improve herself is one of the most important dreams of a woman who lives with her family members. She lives in her own house in a zone with a high incidence of social violence and delinquency. She does not want to see herself affected by it, and she wants to work honestly in order to earn a better future. This is one of the better decisions she has made, and she is proud of this.

She sells shellfish, fish, shrimp, and scallops, among others. She sells from her home and in an itinerant manner. She has a lot of clientele who prefer her for the quality of the product, the accessible prices, and, above all, for the excellent service. She is an active and tenacious woman who devotes herself to her work. She has a lot of goals that she wishes to achieve. She is working hard to meet these goals for a more prosperous future.

She is very happy with the business, but she knows that she needs to make it grow in order to get out of poverty. In the last few weeks demand has increased, so she wants to make a bigger investment in buying merchandise. This is why she is requesting a loan from Ingetral that will allow her to buy seafood wholesale.

She has good payment references, and she is very responsible. She affirms that she will be able to repay the debt, and she is confident that she will bring stability to her household.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de una mujer que vive junto a su grupo familiar en casa propia en una zona de alta incidencia delincuencial, desea no verse afectada por ella y quiere trabajar honestamente para ganarse un futuro mejor, es una de las mejores decisiones que ha tomado y se siente orgullosa de eso, se dedica a la venta de mariscos, pescado, camarones, conchas entre otros, comercia desde su hogar y de forma ambulante ya tiene mucha clientela que la prefiere por la calidad del producto, por los precios accesibles y sobre todo por el servicio excelente, es una mujer activa, luchadora, 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 pero sabe que necesita hacerlo crecer a fin de salir de la pobreza, en las últimas semanas ha aumentado la demanda, por lo que quiere realizar una mayor inversión en la compra de mercadería, por eso solicita a INTEGRAL un crédito que le permita comprar mariscos por mayor. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez tiene fe que llevara 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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    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 seafood wholesale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 30, 2012
Currency Exchange Loss:
Jun 18, 2013