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This client lives with his mother and his father (who works in a workshop). His mother is the one who used to own the clothing business but two years ago, owing to her age, she decided to leave it to her son. He is now in charge of running the business and he is doing very well. He has a good customer base and uses the profits he makes to buy merchandise on a daily basis and cover his household expenses. He is requesting this loan to buy more merchandise such as shoes, scarves and tablecloths, which sell very easily, and skirts and blouses, which are very profitable. In this way, he will be able to help his parents with their expenses, stock his business with more products and make better income.
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El cliente vive con su madre y con su padre el cual trabaja en un taller, la madre es quien tenia la venta de ropa pero por su edad decidio dejarsela desde hace 2 años a su hijo, el es quien se encarga de administrar el negocio y le ha hido muy bien tiene buena clientela y con las ganancias que obtiene va comprando diario la mercaderia y va solventado los gastos de su hogar, el solicita un credito para poder comprar mas mercaderia como zapatos, bufandas, mateles para mesas los cuales se venden con mas facilidad y las faldas y blusas que le dejan mucha ganancia y asi poder ayudar a sus padres en los gastos que tienen y el puede surtir con mas productos y poder generar mejos ingresos.

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
  • 720
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy more merchandise (shoes, clothes and tablecloths).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Apr 16, 2013
Currency Exchange Loss:
Jan 25, 2014