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The desire to improve is one of this man’s most important dreams. He lives with his family group in a house he owns in an area of high social violence and crime. He does not want to see his children affected by this difficult situation of violence, and so he keeps them occupied by having them work in his business. This is one of the most important decisions he’s made; he’s proud of this.

He works, together with his children, selling shaved ice in various flavors. They sell from place to place with his mobile sales cart and has many customers that prefer them for the quality of their product, their affordable prices and above all for the quick service. He’s an active, enterprising man who is dedicated to his work and who has many goals he wants to reach. He’s working hard to attain a more prosperous future for his family. He feels very happy with his business but knows that he has to make it grow if he’s to rise out of poverty.

Demand has increased in recent weeks so he’d like to invest in the purchase of necessary ingredients to make his product which is why he’s asking Integral for a loan to buy a new cart for his son to use so he can work and earn more income and be involved good activities as well as meet the demand of his clients. He will also buy ice at wholesale, flavoring agents, jellies. He has good payment references and is very responsible. He assures that he will be able to repay the loan while at the same time trusts that he will be able to bring economic security home.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de un hombre que vive junto a su grupo familiar en casa propia en una zona de alta incidencia de violencia social y delincuencia, no quiere que se vean afectados por la difícil situación de violencia que podría arrastrarlos, por eso siempre los mantiene ocupados incorporándolos a su actividad productiva, es una de las mejores decisiones que ha tomado y se siente orgulloso de eso, se dedica junto a sus jóvenes hijos a la venta de minutas de diferentes sabores, comercian de forma ambulante en su carrito de venta mobil y ya tiene mucha clientela que lo prefieren por la calidad del producto, por los precios accesibles y sobre todo por el servicio mas rápido, es un hombre activo, emprendedor, dedicado a su labor, y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas próspero y en paz para toda su familia. Se siente muy contento 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 los insumos necesarios para realizar su producto, por eso solicita a INTEGRAL un crédito que le permita comprar un nuevo carrito que usará uno de sus hijos beneficiándolo con un empleo que le brinde mejores ganancias y se motive a buscar actividades de bien y cubrir la demanda que hacen sus clientes, también comprará hielo por mayor, saborizantes y jaleas. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez confía que llevará 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
  • 627
    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 $600 helped this borrower to buy ice at wholesale and to buy flavoring agents.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Nov 8, 2012
Currency Exchange Loss:
Feb 21, 2014