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There are always difficult moments, but life always gives us opportunities for hope. This client is a clear example of this; she lives with her partner and together they have a strong desire to improve their lives. Although they are surrounded by a high level of violence in their neighborhood, they do not give up in the face of adversity. She is a hardworking and honest woman with good relationships with the people around her. She works selling perfumes out of her home and little by little she has developed a clientele. She wishes to buy more variety and not offer the same products as others. Unfortunately, she does not have the necessary capital for such an investment. This is why she came to INTEGRAL, so she could purchase these products and thus give her clients the variety they want. She is thankful for the support that she hopes to receive, and she is sure her sales will increase a little more.
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Siempre hay momentos duros y difíciles pero el deseo de superación siempre se nos presenta en la vida. Esta cliente es un claro ejemplo de ello; vive junto a su compañero de vida y junto a él tienen el mejor deseo de salir adelante y nunca dejarse vencer por las adversidades de la vida, aún rodeados de una fuerte violencia social de la que es victima la localidad en la que viven. Es una mujer muy trabajadora y honesta con buenas relaciones en el lugar de residencia. Ella se dedica a vender perfumes en su hogar poco a poco se ha hecho de clientes que la prefieren y es por eso que desea comprar mas perfumes, tener variedad y no los mismo. Lamentablemente no tiene el capital suficiente para esta inversión, es por eso que se acerco a INTEGRAL para la compra de esta materia prima y así darle variedad a sus clientes que tanto la prefieren. Agradece la ayuda que espera recibir y así estar segura que sus ventas crecerán un poco mas

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 a vulnerable situation due to the lack of access to eduation and a decent job. Moreover they are 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
  • 381
    View loans »
    El Salvador Loans Fundraising
  • $31,276,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped this borrower purchase perfumes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 3, 2012
Oct 24, 2012
Currency Exchange Loss:
Mar 15, 2013