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The client has a one-year-old son and lives with his father and mother in his own home. He is well-known in the area where he lives because of his humility and his dedication to his work. He has never allowed himself to be defeated and he has always moved forward with his difficulties. With effort and dedication, he has a store in which he sells basic goods, like basic grains, milk, eggs, and rice, among other things. He is very dedicated to his work and very attentive when he sells. This is why he has customers who seek him out and prefer him because of his products. He needs to stock his store a little more due to increased demand and he doesn't have the capital to do it. This is why the client is applying for a loan to buy more products like basic grains, instant goods, candies, drinks, etc. He trusts in God that the help he has asked for will be delivered soon, and he will not have any more worries about bringing home the daily bread.
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El cliente vive tiene un hijo de 1 año y vive con su papa y su mama en casa propia, es muy conocido en la zona donde reside por su humildad y su entrega al trabajo, nunca se ha dejado vencer y siempre ha salido adelante con sus dificultades. Con esfuerzo y dedicación posee una tienda en la que vende productos de primera necesidad granos básicos, leche, huevos, arroz entre otros, es muy dedicado a su labor y muy servicial a la hora de vender, es por eso que posee clientes que lo buscan y lo prefieren por sus productos. Se ha visto en la necesidad de surtir un poco mas la tienda debido al aumento de demanda y no tiene el capital para realizarlo, es por eso que el cliente solicita un crédito para comprar más productos como granos básicos producto instantáneo, golosinas, bebidas, etc. Confía en Dios de que pronto la ayuda solicitada, será otorgada, y no tendrá más preocupación que llevar el sustento diario a su hogar.

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
  • 645
    View loans »
    El Salvador Loans Fundraising
  • $28,178,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped this borrower to buy basic grains, instant goods, candies, drinks, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 4, 2013
Jun 18, 2013
Currency Exchange Loss:
May 18, 2014