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The client lives in her own house with her husband and her 2-year-old son. She has her own store where she sells articles of prime necessity; beans, milk, eggs, and bread, among other items. She has had the business for 1 year, giving her experience in sales that has provided better earnings. The store is located in her house in a heavily-traveled area. She has earned many customers because she has the best-supplied store. People prefer it and they maintain the store against the competition because it always has what they want, with quality products and accessible prices, and with an unequaled service always at the customer's order.

The client wishes to make a new investment but she needs the capital. For this she has requested a loan through INTEGRAL that will permit her to purchase basic grains, sweets, eggs, bread, drinks, soups, soft drinks, carbonated beverages, etc. The client assures us that she will be able to pay off the debt and, at the same time, that she is confident she can provide a better quality of life for her family.
View original language description ↓
La clienta vive en casa propia con su esposo y su hijo de 2 años, ella posee una tienda donde vende artículos de primera necesidad, frijoles, leche, huevos, pan, entre otros, tiene 1 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 en una localidad muy transitada, se ha hecho de mucha clientela, pues tiene la tienda mas surtida, las personas la prefieren y la mantienen delante de la competencia porque siempre tiene lo que necesitan con producto de calidad, a precios accesibles y con un servicio inigualable siempre a la orden de los clientes, la clienta desea 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, sopas, refrescos, gaseosas, etc. la clienta 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

  • $7,500
    Average annual income
  • 881
    View loans »
    El Salvador Loans Fundraising
  • $28,305,350
    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 buy basic grains, sweets, eggs, bread, drinks, soups, soft drinks and carbonated beverages, etc., to sell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 3, 2013
Currency Exchange Loss:
Aug 23, 2014