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Anonymous
The client resides with his life's companion and his daughter. He owns a store where he sells articles of primary necessity; beans, milk, eggs, bread, and other items. He has had this business for many years and it has rewarded him with experience in sales that permit him to earn a better income.

The business is located in his residence. He has gained many customers. Since he keeps the store well stocked, people prefer his store. He stays ahead of the competition because he always has what customers need with quality products at accessible prices and unequaled services, always at the customers' order.

Like all good merchants, he wants to expand his business and make an additional investment for which he needs capital. Hence, he is soliciting a loan through INTEGRAL that will allow him to buy basic grains, snacks, eggs, bread, drinks, etc. The client assures us that he will pay off the debt and, at the same time, he's confident that he can provide his family with a better quality of life.
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El cliente vive con su compañera de vida y su hija, el posee una tienda donde vende artículos de primera necesidad, frijoles, leche, huevos, pan, entre otros, tiene muchos años con su negocio y eso le ha regalado experiencia en las ventas que le permite obtener las mejores ganancias, está ubicada en el lugar de su residencia, se ha hecho de mucha clientela, pues tiene la tienda mas surtida, las personas lo prefieren y lo mantienen delante de la competencia porque siempre tiene lo que necesitan con productos de calidad, a precios accesibles y con un servicio inigualable siempre a la orden de los clientes, como todo buen comerciante quiere acrecentar el negocio y realizar una nueva inversión pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, huevos, pan, bebidas, etc. el cliente asegura que cancelara la deuda y a la vez confía en que le dará a su familia una mejor calidad de vida.

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

  • $4,900
    Average annual income
  • 707
    View loans »
    El Salvador Loans Fundraising
  • $25,104,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped this borrower buy basic grains, snacks, eggs, bread, drinks, etc. to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 14, 2013
Listed
Jun 5, 2013
Currency Exchange Loss:
N/A
Ended:
Dec 19, 2013