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This borrower is an enterprising man with a desire to get ahead and great potential to do something big with his life. His greatest wish is to give his family a better future, helping them to find new paths and forget the crime that surrounds them. He has a family, and works hard for them every day. He is a very hard worker, and he has made bread, quesadillas, cakes, french bread, and other items for some time now. He has done this work for several years and is proud because he is doing well. His bakery is very well-known because he has the most delicious bread. He has a large customer base which he says is very good for his business. His goal is to make more income which will help him to reach his dreams. He is convinced that if he increases his production, his sales will also increase. For this reason, he has requested a loan for the purchase of flour, sugar, milk, yeast, etc. He thanks you for your support, and he has faith in God that God will not abandon him; he is not influenced by bad company and he is always occupied with honest work such as his bakery. He works hard to ensure the best for his family and to be a good example for them.
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Es un hombre emprendedor con deseos de superación y con muchas posibilidades de hacer algo grande con su vida, su mayor deseo es entregarle un mejor futuro a su familia buscando tener nuevos caminos y olvidándose de la delincuencia que los rodea. Tiene un grupo familiar por el cual se esfuerza día a día, es muy trabajador y desde hace un tiempo se dedica a la elaboración de pan, quesadillas, pastelitos, pan francés entre otros, tiene varios años de dedicarse a este trabajo y se siente orgulloso porque ha logrado que le dé buenos resultados, su panadería es muy conocida porque tiene el pan mas exquisito, ya tiene mucha clientela en un lugar que identifico como muy bueno para desarrollar sus actividades; su meta es tener mejores beneficios que le ayuden a cumplir sus sueños. Él tiene la convicción de que si aumenta su producción así aumentarán las ventas, es por eso que se acercó solicitar un crédito que le permita comprar harina, azúcar, leche, levadura etc. Agradece la colaboración que recibirá además tiene esperanza en Dios que no lo abandonará para ya no verse influenciado por malas compañías y estar siempre ocupado en obras buenas como ésta, para así velar de la mejor manera por su familia y ser ejemplo correcto para ellos.

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
  • 662
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped this borrower to buy flour, sugar, milk, and yeast.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 7, 2012
Currency Exchange Loss:
Jun 18, 2013