The desire to overcome and suceed is one of the dreams of this young 25-year old woman who lives with her family. She has a shop where they sell staple goods like basic grains, milk, and eggs. She has been running the business for a while and this experience has allowed her to improve her earnings. The shop is well-known in the neighborhood, and it has a clientele that likes the quality products, good prices, and excelent service. The owner is a hardworker and is dedicated to working every day to build a better future away from the violence of the neighborhood where she resides. She does her best every day because she is happy with her work, and she does not want to disappoint her family. In the last few weeks demand has been going up, and she needs to invest more. This is way she applied for a loan with INTEGRAL to buy basic grains, instant food products, snacks, bread, and drinks. This young woman has a good credit history and is very responsible. She is sure that she can pay off the debt and hopefully bring economic security to her small household.
El deseo de superarse es uno de los sueños mas importantes de una joven mujer de veinticinco años de edad que vive junto a su grupo familiar, ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, huevos, entre otros, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia en las ventas que le permite obtener las mejores ganancias, la tienda es muy conocida por las personas de la localidad y ya tiene mucha clientela que la prefiere por la calidad del producto, los buenos precios y el servicio excelente; es una mujer emprendedora, dedicada a su labor todos los días lucha por conseguir un futuro mejor con nuevos horizontes y alejada de la violencia social de la que es victima la localidad en que reside, día a día se esta esforzando al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en las ultimas semanas aumento la demanda del producto y necesita realizar una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, producto instantáneo, golosinas, pan, bebidas, etc. La joven tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez tiene la esperanza que podrá llevar a su pequeño hogar seguridad económica.
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.