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Everyone has the desire to better themselves and find the road to success. This young, 22-year-old woman wishes to find this road and has already started on the right foot with a small business where she sells artificial flowers in different styles and sizes. She has already spent some time in this business and it is very profitable which brings her good earnings. She has a lot of customers who prefer to buy from her because of her quality, good prices, and excellent customer service. She is an enterprising woman, dedicated to her work and determined to achieve her goals of leaving crime behind, despite the high crime rate in the area where she lives. She is very content with her business and wishes to expand it but doesn't possess the capital to do so. For this reason she is asking Integral for a loan which will allow her to buy raw materials to decorate flowers, flowers, wire, glue, etc. She has good payment references and is very responsible. She is sure that she will be able to pay back her debt and at the same time has confidence that it will give her and her family a better quality of life.
View original language description ↓
Toda persona desea superarse y encontrar el camino para alcanzar el éxito, esta joven de veintidós años de edad quiere buscar ese camino y ha comenzado con el pie derecho en un pequeño negocio donde vende flores artificiales de diferentes estilos y tamaños, ya tiene algún tiempo con la venta y es muy rentable le permite obtener muy buenas ganancias, se ha hecho de mucha clientela que la prefieren por la calidad, los buenos precios y el servicio excelente; es una mujer emprendedora, dedicada a su labor y muy decidida a cumplir sus objetivos y salir de la delincuencia a pesar de la difícil situación de incidencia delictiva que hay en la zona donde vive, esta muy contenta con el negocio y quiere acrecentarlo pero no posee con el suficiente capital que la respalde por eso le solicita a INTEGRAL un credito que le permita comprar materia prima para adornos florales, flores, alambres, pegamento, etc. Tiene buenas referencias de pago y es muy responsable asegura que podrá cancelar la deuda y a la vez confía que le dara a su grupo familiar una mejor calidad de vida.

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
  • 382
    View loans »
    El Salvador Loans Fundraising
  • $31,278,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped this borrower to buy flowers, wire, and glue.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 23, 2012
Currency Exchange Loss:
Apr 16, 2014