Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

Partner Description:

Apoyo Integral (Apoyo) is a regulated organization offering financial products for clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural businesses and more. Founded in 2002, Apoyo’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

The organization focuses mainly on the production, commerce and service sectors. To date, the organization has opened 25 agencies across the country and has a portfolio of $76.3 million. Its services have benefitted more than 100,000 unbanked clients. Kiva’s funds are used to expand Apoyo’s lending services, with a particular emphasis on helping women in rural areas build sustainable businesses and enhance their quality of life.



Apoyo’s client who took a loan to start tortilla business

Partnership and awards

With an aim to improve its financial assistance, Apoyo partners with Salvadoran Foundation for Integral Support (FUSAI) to offer technical advice on construction issues including circulation, ventilation, lighting, and, to a lesser degree, recommendations for optimizing their budgets. The partnership seeks to support the progress and completion of construction work.

Apoyo Integral has been recognized for the transparency of its operations and won the 2005 Transparency Award (Premio a la Transparencia 2005) from MIX Market and REDCAMIF (The Central American and Caribbean Network of Microfinance) at the Third Central American Conference on Microfinance.

In 2006, the organization received the Excellency Award (Premio a la Excelencia 2006) from the Multi-Sector Investment Bank’s Micro and Small Enterprise Development Trust for having achieved the most growth among its peer institutions in 2005.

Image courtesy of Apoyo Integral.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Dec 18, 2007 Oct 12, 2005
Total Loans $8,461,300 $655,226,925
Amount of raised Inactive loans $0 $199,625
Number of raised Inactive loans 0 149
Amount of Paying Back Loans $2,742,775 $128,241,800
Number of Paying Back Loans 4,983 141,538
Amount of Ended Loans $5,718,525 $526,785,500
Number of Ended Loans 9,384 659,282
Delinquency Rate 0.00% 6.52%
Amount in Arrears $0 $5,453,053
Outstanding Portfolio $1,885,108 $83,688,377
Number of Loans Delinquent 0 23,854
Default Rate 1.64% 1.11%
Amount of Ended Loans Defaulted $93,979 $5,866,192
Amount of Ended Loans $5,718,525 $526,785,500
Number of Ended Loans Defaulted 283 17,636
Currency Exchange Loss Rate 0.00% 0.14%
Amount of Currency Exchange Loss $0 $895,125
Refund Rate 0.39% 0.71%
Amount of Refunded Loans $33,350 $4,640,300
Number of Refunded Loans 45 5,166

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 64.38% 74.20%
Average Loan Size $589 $417
Average Individual Loan Size $589 $655
Average Group Loan Size $0 $1,842
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $4,900 $3,394
Average Loan Size / GDP per capita (PPP) 12.03% 12.29%
Average Time to Fund a Loan 12.66 days 6.02 days
Average Dollars Raised Per Day Per Loan $46.57 $69.29
  Average Loan Term 13.92 months 10.61 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 774 324,837
  Journaling Rate 7.14% 41.83%
  Average Number of Comments Per Journal 0.03 0.07
  Average Number of Recommendations Per Journal 0.69 1.71

Borrowing Cost Comparison (based on 2013 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 26% PY 31.00% PY 33.02% PY
  Profitability (return on assets) 0.7% 0.7% -0.68%
  Average Loan Size (% of per capita income) 53.80% 34.00% 36.66%

Country Fast Facts

Field Partner Staff

Felix Acevedo
Angelica Acosta
Roberto Alvarado
erika burgos
Luis Castillo
Tony Castillo
Cristina Cornejo
Reina de Cabrera
Silvia de Melendez
Francisco Gochez
Flor de María Grande Carrero
Luis Gutierrez
Esmeralda Hernandez
William Jacobo
Soraya Leon Ruiz
Yenyk Lopez
francisco mancia
Carlos Eduardo Martinez
Josué Pérez
Karla Alejandra Perez Castaneda
Jose Luis Rivas
René Mauricio Salazar
Emma Trujillo
Imelda Zaldivar

Kiva Fellow(s)

Hector Ramos