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Update on Anonymous

This borrower has a business selling clothing, lotions, hair creams, deodorants, and plated chains, bracelets, and rings. She sells from place to place in the various markets that are close to her home. With the earnings she obtains from her sales, she is able to cover some of the household expenses. She lives in her own home with her husband, daughter, and a niece. She is requesting a loan to buy more merchandise at wholesale so that she can stock up her business. This way, she can obtain better earnings and give her family a better quality of life.
View original language description ↓
La clienta se dedica a la venta de ropa, lociones, cremas para el cabello, desodorantes, cadenas, pulseras y anillos de enchape lo hace de forma ambulante por los diferentes mercados que están cerca de su lugar de residencia, con las ganancias que obtiene de sus ventas ogra solventar algunos gastos de su hogar, vive en casa propia con su esposo, su hija y una sobrina, la clienta esta solicitando un crédito para la compra de mas mercadería por mayor y así poder surtir su negocio y obtener mejores ganancias para darle a su familia una mejor calidad.

Previous Loan Details

This borrower lives in her own home with her husband and child. She sells personal use products as a street vendor near her home. The borrower has been selling perfumes, deodorants, crèmes, and other products for three years. With the income she generates from her sales and her husband’s earni... More from Anonymous's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 721
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped this borrower to buy lotions, hair creams, deodorants, and plated chains, bracelets, and rings.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Jul 29, 2013
Currency Exchange Loss:
Jun 19, 2014
This photo was used before for a previous loan for Anonymous. It was first posted on Kiva on May, 2013. Learn More