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 $11,370,500 $864,089,775
Amount of raised Inactive loans $0 $378,925
Number of raised Inactive loans 0 245
Amount of Paying Back Loans $1,692,125 $136,644,550
Number of Paying Back Loans 2,617 166,002
Amount of Ended Loans $9,678,375 $727,066,300
Number of Ended Loans 16,485 903,193
Delinquency Rate 12.36% 8.22%
Amount in Arrears $124,151 $7,295,607
Outstanding Portfolio $1,004,712 $88,711,476
Number of Loans Delinquent 986 22,238
Default Rate 2.95% 1.32%
Amount of Ended Loans Defaulted $285,874 $9,621,719
Amount of Ended Loans $9,678,375 $727,066,300
Number of Ended Loans Defaulted 854 26,679
Currency Exchange Loss Rate 0.00% 0.43%
Amount of Currency Exchange Loss $0 $3,748,624
Refund Rate 0.37% 0.64%
Amount of Refunded Loans $42,550 $5,544,100
Number of Refunded Loans 63 5,818

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 63.38% 74.85%
Average Loan Size $596 $407
Average Individual Loan Size $596 $640
Average Group Loan Size $0 $1,805
Average number of borrowers per group 0 7.8
Average GDP per capita (PPP) in local country $7,500 $5,937
Average Loan Size / GDP per capita (PPP) 7.94% 6.86%
Average Time to Fund a Loan 14.28 days 6.9 days
Average Dollars Raised Per Day Per Loan $41.71 $59.06
  Average Loan Term 14.22 months 11.04 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 2,139 438,945
  Journaling Rate 12.14% 41.47%
  Average Number of Comments Per Journal 0.01 0.05
  Average Number of Recommendations Per Journal 0.26 1.29

Borrowing Cost Comparison (based on 2014 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 25% PY 31.00% PY 27.39% PY
  Profitability (return on assets) 1.2% 0.7% -0.64%
  Average Loan Size (% of per capita income) 53.80% 34.00% 19.18%

Country Fast Facts

Field Partner Staff

Felix Acevedo
Roberto Alvarado
Erika Burgos
Luis Castillo
Reina de Cabrera
Ricardo Escoto
darwin flores
Luis Roberto Flores Jurado
Francisco Gochez
margarita gomez
Flor de María Grande Carrero
Adrian Ernesto Guerrero Pérez
William Jacobo
Yenyk Lopez
francisco mancia
carlos posada
Jose Luis Rivas
Jonathan Rodriguez
René Mauricio Salazar
Imelda Zaldivar

Kiva Fellow(s)

Seth Broughton