The desire to succeed is one of this young woman's greatest dreams. She is 25 years old and lives with her close family. She owns a store where she sell basic goods such as bulk grains, milk, eggs and so on. She has been running the business for a while and she knows that this will give her valuable experience in sales to obtain the best profits. The store has made her well-known by people in the local area and she already has a customer base who go to her for the quality of her product, the good prices and the excellent customer services. She is a very enterprising woman, dedicated to her everyday goal of fighting for a better future with new horizons far from the social violence she is a victim of in the area in which she lives. She is doing her very best every day as she is happy with the business and she doesn't want to let down her family which is of utmost importance to her. All of this arduous work she hopes to see reflected in her home as her house has a bit of damage and she wants to prepare it for the safety of all. This is why she is seeking a loan to buy cement, bricks, Duralita [type of fiber cement roofing material] and so on. The young woman has good credit references and is very responsible. She promises to repay the loan and is also confident that she will provide her small home with financial security.
El entusiasmo de superarse es uno de los sueños mas importantes de una joven mujer de veinticinco años de edad que vive junto a su grupo familiar, ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, huevos, entre otros, ya tiene algún tiempo con el negocio y sabe que eso le regalara valiosa experiencia en las ventas que le permita obtener las mejores ganancias, la tienda se ha hecho muy conocida por las personas de la localidad y ya tiene clientela que la prefiere por la calidad del producto, los buenos precios y el servicio excelente; es una mujer emprendedora, dedicada a su labor todos los días lucha por conseguir un futuro mejor con nuevos horizontes y alejada de la violencia social de la que es victima la localidad en que reside, día a día se esta esforzando al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia que es lo mas importante para ella, todo este arduo trabajo quiere verlo reflejado en su hogar pues su casa ha tenido algunos deterioros y quiere repararla para la seguridad de todos por eso solicita un crédito que le permita comprar cemento, ladrillos, duralita, etc. La joven tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez tiene fe que podrá llevar a su pequeño hogar seguridad económica.
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 Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.