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The enthusiasm to improve herself is one of this young woman's most important dreams. She lives with her family in their own home and she sells catalog products such as perfumes, creams and other items.

She has already been in the business for some time, and that has given her valuable sales experience that allows her to earn the best profits. She sells from her home and door-to-door, and is very well known by local people. She has gotten many customers, who prefer her for the quality of the products, the good prices, and especially, the excellent service.

She is a determined woman, devoted to her work. Every day she does her best to secure a better future, with new opportunities, away from the social violence that her community is a victim of. Each day she strives to the maximum, as she is happy with her work and doesn't want to let her family down. In recent weeks demand for products has increased, and she needs to undertake a new investment. That is why she is applying for a loan that will allow her to buy cosmetics, creams, perfumes, etc.

This young woman is motivated, and thankful for the support. She knows she has good payment references and is very responsible. She says she will be able to pay back the debt, and at the same time has confidence that she can bring financial security to her modest household.
View original language description ↓
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 productos por catalogo perfumes cremas, cosméticos entre otros, 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 de forma ambulante 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 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 cosméticos, cremas, perfumes etc. 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
  • 763
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped this borrower to buy cosmetics, creams and perfumes.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Jan 8, 2013
Currency Exchange Loss:
Feb 21, 2014