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This 22-year-old borrower lives with his mother in a relative's house. For three years he has owned a bakery, located in his place of residence. He bakes French bread and sweet breads. He has many customers due to his quality products, cleanliness, and friendly customer service.

The borrower is requesting a loan from Integral to purchase flour, butter, molds, cans, etc. to continue his work. This is his only source of income, and it allows him and his mother to have a better quality of life.
View original language description ↓
El cliente de 22 años de edad vive en casa de un familiar con su madre, el posee desde hace 3 años una panadería ubicada en su lugar de residencia, elabora pan francés y pan dulce, posee mucha clientela por los buenos productos, la higiene y amabilidad a la hora de vender, el cliente está solicitando un crédito a INTEGRAL para la compra de harina, manteca, moldes, latas, etc. y continuar con su trabajo ya que esa es su única fuente de ingresos y asi poder tener junto con su madre 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
  • 749
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped this borrower to purchase flour, butter, molds, cans, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 28, 2014
May 23, 2014
Currency Exchange Loss:
Mar 26, 2015