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Anonymous
The client lives together with her life partner, who is an employee in a factory and their two children. She is a very responsible woman who is always on the look-out to ways to stabilize her financial situation. She works in her own bakery where she makes French bread, quesadillas and pastries. She works in the hours before dawn in order to sell them before breakfast. This is when her clients consume them as well as at dinnertime.

The client is requesting a loan from INTEGRAL, in order to have the help she needs to buy: flour, yeast, lard, metal baking pans and everything she needs to be able to produce more. These improvements to her bakery are important to her as this is how she plans to improve the quality of living for her family.
View original language description ↓
la clienta vive junto a su compañero de vida quien es empleado de una fabrica y dos hijos, ella es una mujer muy responsable quien siempre está en miras de mejorar su estabilidad económica. Ella trabaja en su propia panadería en la que elabora pan francés, quesadillas y pan dulce, el cual elabora ella sola a primeras horas de la madrugada para poder venderlo antes del desayuno, que es cuando las personas más lo consumen al igual que en la cena. Ella solicita un préstamo a INTEGRAL, para contar con la ayuda necesaria para invertir en la compra de harina, levadura, manteca, latas y todo lo necesario para poder producir más. Este proyecto de mejoramiento para su panadería es muy importante para ella 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.

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About El Salvador

  • $7,500
    Average annual income
  • 762
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped this borrower to buy flour, yeast, lard and metal baking pans.
83% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 19, 2013
Listed
Oct 10, 2013
Currency Exchange Loss:
N/A