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This young woman is starting a small business - a shop selling basic necessities, such as basic grains, instant products, bread and candy, among other things. She wants a new start and to leave behind her life of crime. This one of the biggest and best decisions that she has taken and her family around her will support her, with her store running out of the home in the district where she lives. She knows that, little by little, she will gain experience in sales and this will help her to make a good profit. She is already building a customer base, with many people preferring her for the quality, affordable prices and excellent service on offer. She is an active and enterprising woman who is dedicated to her work. She is plucky and, with so many goals to achieve, she is working hard for a good future. She is very happy with the business and, with demand increasing the past few weeks, she is applying for a loan to invest more to buy basic grains, instant products, bread, candy and drinks. This young woman has a good credit rating and is responsible. She promises to pay off the debt and, at the same time, she hopes that this will bring financial security and a better quality of life for everybody in her home.
View original language description ↓
Esta joven mujer esta empezando un pequeño negocio una tienda donde vende artículos de primera necesidad granos básicos, producto instantáneo, pan, golosinas, entre otros quiere tener un nuevo comienzo y dejar la vida de delincuencia es una de las mejores y mas grandes decisiones que ha tomado y su grupo familiar esta dispuesto a darle su apoyo, comercia desde su hogar en la localidad donde vive, poco a poco sabe que podrá adquirir experiencia en las ventas y eso le permitirá obtener buenas ganancias, ya se esta haciendo de clientela pues las personas la prefieren por la calidad, los precios accesibles y el excelente servicio; es una mujer activa, emprendedora, dedicada a su labor, luchadora y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero, se siente muy contenta con el negocio, en las ultimas semanas aumento la demanda por lo que quiere realizar una nueva inversión por eso solicita un credito que le permita comprar granos básicos, producto instantáneo, pan, golosinas, bebidas. La joven tiene buenas referencias de pago y es responsable, se compromete a cancelar la deuda y a la vez tiene la esperanza que llevara a su hogar seguridad económica y una mejor calidad de vida para a todos.

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
  • 698
    View loans »
    El Salvador Loans Fundraising
  • $27,167,700
    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 basic grains, instant products, bread, candy and drinks.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Jan 8, 2013
Currency Exchange Loss:
Oct 25, 2013