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The wish to get ahead is one of the most important dreams of this young woman who lives with her family group. She has a bread bakery and has had this business for some time. This has given her valuable experience in sales that allows her to obtain better earnings. She sells from her home and is very well known by the people in her area. She has gained many customers who prefer her because she sells the most delicious bread of the best quality at good prices and above all with excellent service. She is a fighter who strives every day to have a better future with new roads and away from the crime of which she has been a victim in the area where she lives. Day to day she works as hard as she can because she is happy with her work and does not want to dissapoint her her family. In the last few weeks demand for her products has increased and she needs to make a new investment. That is why she is asking for a loan that will allow her to buy flour, sugar, dulce de leche, milk, yeast, etc. She is enthusiastic and grateful for the support. She knows she has good payment references and is very responsible. She is sure she can pay off the debt and is confident that she can bring financial security to her small home.
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El deseo de superarse es uno de los sueños mas importantes de una joven mujer que vive junto a su grupo familiar, ella posee una panadería y ya tiene tiempo con el negocio, eso le ha regalado valiosa experiencia en las ventas que le permite obtener las mejores ganancias, comercia desde su vivienda y es muy conocida por las personas de la localidad se ha hecho de mucha clientela que la prefiere por que vende el pan mas exquisito elaborado con material de calidad, a buenos precios y sobre todo por el servicio excelente; es una mujer luchadora, dedicada a su labor todos los días se esfuerza por conseguir un futuro mejor con nuevos caminos y alejada de la violencia social de la que es victima la localidad en que reside, día a día se esmera al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en las ultimas semanas aumento la demanda del producto y necesita realizar una nueva inversión por eso solicita un crédito que le permita comprar harina, azúcar, dulce, leche, levadura etc. La joven esta entusiasmada y agradecida con el apoyo, sabe que tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez tiene la confianza que podrá llevar a su pequeño 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
  • 726
    View loans »
    El Salvador Loans Fundraising
  • $26,267,650
    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 flour, sugar, dulce de leche, milk, and yeast.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 20, 2012
Nov 7, 2012
Currency Exchange Loss:
May 18, 2014