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Everyone wants to get ahead at some point in their life, and that is why this 50-year-old woman, who lives with family in her own house, wants to find an alternative way toward success. She has a mill and attends to many local people because she offers low prices and excellent service. To cover household expenses she also sells beauty products, which are very popular among her customers. She is an enterprising woman, dedicated to her work, constantly struggling toward her goals.

She works hard to earn a better future, away from delinquency, and she is comfortable with her business and wants to keep it running smoothly so as not to disappoint her customers. Therefore she is requesting a loan through INTEGRAL to pay for maintenance for her mill. She has a good credit record and is very responsible, claiming to be able to pay back the loan while also giving her family a better lifestyle.
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Toda persona piensa que es bueno superarse y salir adelante en algún momento de la vida, por eso esta mujer de cincuenta y uno años de edad que vive junto a su grupo familiar en casa propia, quiere buscar la mejor alternativa para encontrar un camino que la lleve al éxito, ella posee un molino y es muy visitado por las personas del lugar pues ofrece precios accesibles y un servicio excelente adicional a esto para complementar los gastos del hogar también vende productos de belleza que son muy solicitados por los clientes; es una mujer emprendedora, dedicada a su labor, luchadora y muy constante en sus propósitos, esta trabajando duro por ganarse un futuro mejor alejado de la delincuencia, se siente tranquila con su negocio y quiere mantenerlo en buen estado para no decepcionar a los clientes y para ello necesita de capital por eso solicita a INTEGRAL un crédito que le permita darle mantenimiento al molino. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez confía que le dará a su familia 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
  • 579
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped this borrower to provide mill maintenance, buying new straps and discs, and sending parts to the lathe.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 23, 2012
Currency Exchange Loss:
Aug 18, 2013