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Roberto is 62 years old living with his wife and children. He has a bakery that he uses to support his home. He bakes sweet and plain bread of excellent quality like ‘semitas’ (a tart of bread dough filled with jam or other rich fillings), pineapple cake, ‘margaritas’ (a type of sweet bread), French bread. He is visited by many of the local residents because his bread is delicious and he sells it at a very good price.

Together with his wife he rises very early to make the bread and Roberto sells it during the morning and afternoons in an ambulatory manner. He is a hard-working man who is full of goals to reach. He thinks that the less one looks back the easier it is to look forward and make your dreams a reality. This is why he’s asking INTEGRAL for a loan that will allow him to buy flour, sugar, salt, yeast and trays, among others, to increase production so that the business will grow. Roberto trusts that his hard work will make it possible for him to provide his family with economic stability.
View original language description ↓
Roberto, de sesenta y dos años de edad vive con su esposa y sus hijos. El posee una panadería con que saca adelante a su hogar, él elabora pan dulce y simple de excelente calidad, como semita, pasteles de piña, margaritas, pan frances; es muy visitado por las personas del lugar pues su pan tiene un sabor exquisito y lo vende a muy buen precio.

El junto a su esposa se levantan desde muy temprano a elaborar el pan y Roberto lo vende por las mañanas y tardes de forma ambulante; Es un hombre trabajador lleno de metas por alcanzar. Él piensa que mientras menos mire para atrás, mas fácil se le hará mirar para adelante y lograr sus sueños es por eso que le solicita a INTEGRAL un crédito que le permita comprar harina, azúcar, sal, levadura, bandejas entre otros para aumentar la producción y que crezca el negocio. Roberto tiene fe que su duro esfuerzo le permitirá darle a su familia seguridad económica.

Additional Information

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
  • 545
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Roberto to buy flour, sugar, salt, yeast and trays.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 20, 2011
Jul 29, 2011
Currency Exchange Loss:
Nov 15, 2011