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Enthusiasm for self-improvement is one of the most important dreams of this young woman living with her family in her own house. She sells tortillas and has been in business for some time now which has given her valuable sales experience that makes it possible for her to earn the best profits. She sells from home and is very well-known by people in her community. She’s acquired a large clientele that prefers her for the quality of her product, her good prices, hygiene and above all for the excellent service. She’s a tenacious woman who is dedicated to her work. She strives daily to attain a better future with new paths that are away from the social violence her community is prone to. She strives to the maximum every day because she’s happy with her work and does not want to disappoint her family.

In recent weeks demand for her product has increased and she needs to make a new investment which is why she’s requesting a loan to buy corn at wholesale and to buy firewood. The young woman is motivated by and grateful for the support. She knows that she has good payment references and is very responsible. She assures that she’ll be able to repay the loan while at the same time trusts that she’ll be able to provide her humble home with economic security.
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El entusiasmo de superarse es uno de los sueños mas importantes de una joven mujer que vive junto a su grupo familiar en casa propia, ella se dedica a la venta de tortillas, ya tiene tiempo con el negocio y 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 la calidad del producto, los buenos precios, higiene 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 últimas semanas aumento la demanda del producto y necesita realizar una nueva inversión por eso solicita un crédito que le permita comprar maíz por mayor y leña. La joven esta motivada 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 humilde 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
  • 784
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    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 corn at wholesale and to buy firewood.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 26, 2012
Nov 8, 2012
Currency Exchange Loss:
May 18, 2014