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The client lives with his wife in his own home. He is a very responsible man who is always looking to improve his economic stability. He works in his own bakery where he makes French bread in the early hours of the morning in order to be ready to sell before breakfast, which is when people most consume it, as well as for supper time. He is requesting a loan from INTEGRAL so that he can have the necessary help to invest in the purchase of flour, yeast, butter, baking tins, and everything necessary to produce more. This improvement project for his bakery is very important for him, since this is the way he will improve his and his family's quality of life.
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el cliente vive junto a su esposa en casa propia, es un hombre muy responsable quien siempre está en miras de mejorar su estabilidad económica. El trabaja en su propia panadería en la que elabora pan francés, en horas de la madrugada para poder venderlo antes del desayuno, que es cuando las personas más lo consumen al igual que en la cena. El solicita un préstamo a INTEGRAL, para contar con la ayuda necesaria para invertir en la compra de harina, levadura, manteca, latas para hornear y todo lo necesario para poder producir más. Este proyecto de mejoramiento para su panadería es muy importante para el, puesto que así mejorará su calidad de vida y la de su familia.

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 $1,000 helped this borrower to buy flour, yeast, baking tins, etc.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 20, 2013
Currency Exchange Loss:
Jun 19, 2014