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The desire to make something of herself is one of the most important dreams of a woman who lives in her own home with her family in an area with a high incidence of crime and social violence. She does not want to be affected by it, and her devotion to her profession has been one of the best decisions she has made. She is proud of it. She sells tortillas, chocolate-covered bananas, and frozen popsicles of a variety of flavors. She does business from home and already has many customers that prefer the quality of her products, her affordable prices, and most of all that she provides the fastest service. She is an active, enterprising woman, who is dedicated to her work, and has many goals she wants to achieve. She works very hard to achieve a more prosperous future. She is very happy with her business but knows she needs to make it grow so that she can emerge out of poverty. In recent weeks the demand of her products has increased, so she wants to make a greater investment in the purchase of inputs needed to make her products. For that reason she requests a loan from INTEGRAL that will allow her to buy wholesale corn, fruit, chocolate, etc. She has good payment references and is very responsible. She ensures that she will repay the debt and at the same time hopes to bring economic security to her household.
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El deseo de superarse es uno de los sueños mas importantes de una mujer que vive junto a su grupo familiar en casa propia en una zona de alta incidencia de violencia social y delincuencia, desea no verse afectada por ella, es una de las mejores decisiones que ha tomado y se siente orgullosa de eso, se dedica a la venta de tortillas, chocobananos, charamuscas congeladas de diferentes sabores, comercia desde su hogar y ya tiene mucha clientela que la prefiere por la calidad del producto, por los precios accesibles y sobre todo por el servicio mas rápido, es una mujer activa, emprendedora, dedicada a su labor, y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero. Se siente muy contenta con el negocio pero sabe que necesita hacerlo crecer a fin de salir de la pobreza, en las últimas semanas ha aumentado la demanda, por lo que quiere realizar una mayor inversión en la compra de los insumos necesarios para realizar sus productos, por eso solicita a INTEGRAL un crédito que le permita comprar maíz por mayor, frutas, chocolate, etc. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez confía que llevara a su hogar seguridad económica.

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
  • 726
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped this borrower to buy wholesale corn, fruit, small bananas, and chocolate.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 24, 2012
Currency Exchange Loss:
Dec 15, 2012