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The client is 23 years old, and lives with her husband and their two children in their own home. They do not have electricity. She works on foot, selling pan dulce [sweet bread] and French bread in the different neighborhoods near her home.

The client is seeking a loan for the purchase of a solar lamp, which is shown in the photograph. No one in her community has electric light, and with what she earns, she cannot afford it either. The lamp is a charging station with solar energy panels that form a light, which is used to serve homes in rural areas that do not have electricity.

This purchase will be beneficial to her and her family, as they will be able to have their own light at night.
View original language description ↓
la clienta de 23 años de edad vive con su esposo y sus dos hijos en casa propia, pero no poseen luz eléctrica, ella se dedica a la venta de pan dulce y pan frances lo hace de forma ambulante por las diferentes colonias que se encuentran cerca de su lugar de residencia, la clienta está solicitando un crédito para la compra de una lámpara solar que es la que muestra en la fotografía ya que en la comunidad donde ella reside nadie posee luz eléctrica y con lo que gana no le alcanza para poder realizarlo, la lámpara es una estación de carga con energía de paneles solares en forma de lámpara que sirve para los hogares de zonas rurales donde no poseen energía eléctrica, con esta compra se podrán beneficiar con su familia ya que por las noches podrán tener luz propia.

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
  • 701
    View loans »
    El Salvador Loans Fundraising
  • $27,168,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $100 helped this borrower to purchase a solar lamp.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2013
Jan 4, 2014
Currency Exchange Loss:
May 18, 2014