Last updated November 20, 2012

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.

Status Update - September 11, 2011

With an aim to fully mitigate the risk ratings to our new and enhanced risk rating system, Kiva has conducted a reassessment of the level of risk posed by this institution. During this reassessment, our analysts were able to gather updated operational and financial information about the institution, as well as speak with key members of the staff.

Kiva's new risk rating system has enabled us to display Apoyo Integral's risk rating with a higher level of granularity. As a result, Apoyo Integral's risk rating will now be displayed as 4.5 stars instead of 5 stars. To view the chart, please go here.

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 $6,672,175 $576,763,075
Amount of raised Inactive loans $250 $222,775
Number of raised Inactive loans 1 252
Amount of Paying Back Loans $1,917,600 $120,176,150
Number of Paying Back Loans 3,585 126,424
Amount of Ended Loans $4,754,325 $456,364,150
Number of Ended Loans 7,570 581,654
Delinquency Rate 4.11% 4.70%
Amount in Arrears $55,761 $3,750,041
Outstanding Portfolio $1,356,954 $79,783,846
Number of loanDelinquent 722 19,496
Default Rate 1.29% 1.11%
Amount of Ended Loans Defaulted $61,397 $5,078,483
Amount of Ended Loans $4,754,325 $456,364,150
Number of Ended Loans Defaulted 171 16,245
Currency Exchange Loss Rate 0.00% 0.07%
Amount of Currency Exchange Loss $0 $406,266
Refund Rate 0.41% 0.78%
Amount of Refunded Loans $27,250 $4,490,600
Number of Refunded Loans 34 5,023

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 64.38% 74.21%
Average Loan Size $599 $418
Average Individual Loan Size $599 $656
Average Group Loan Size $0 $1,825
Average number of borrowers per group 0 8
Average GDP per capita (PPP) in local country $4,900 $3,438
Average Loan Size / GDP per capita (PPP) 12.22% 12.17%
Average Time to Fund a Loan 10.23 days 5.52 days
Average Dollars Raised Per Day Per Loan $58.53 $75.87
  Average Loan Term 13.59 months 10.25 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 417 288,107
  Journaling Rate 5.77% 42.59%
  Average Number of Comments Per Journal 0.05 0.08
  Average Number of Recommendations Per Journal 1.28 1.92

Borrowing Cost Comparison (based on 2012 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Portfolio Yield 25.00% 31.00% 33.65%
  Profitability (return on assets) 0.1% 0.7% -1.40%
  Average Loan Size (% of per capita income) 53.80% 34.00% 41.35%

Country Fast Facts

Field Partner Staff

Felix Acevedo
Angelica Acosta
mayra acosta
Roberto Alvarado
erika burgos
Luis Castillo
Tony Castillo
Cristina Cornejo
manuel cruz
Reina de Cabrera
Silvia de Melendez
Luis Gutierrez
William Jacobo
Soraya Leon Ruiz
yenik Lopez
Yenyk Lopez
francisco mancia
Carlos Eduardo Martinez
ismael martinez
Luis Antonio Mendez Barrientos
Sonia Molina
Josué Pérez
Karla Alejandra Perez Castaneda
Karla Roque
alexandra salazar
René Mauricio Salazar
Emma Trujillo
Imelda Zaldivar