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Wanting to earn a better future with his own effort and living far from crime and poverty is the main purpose of this man. He lives together with his family in their own home and he earns a living selling shaved ice snacks en different neighborhoods in the town where he lives. He has valuable experience in sales, which helps him generate very good profits. He is well known among the people in his town and he has gained a lot of customers who prefer him for the quality, affordable prices, and unrivaled service.

He is an entrepreneurial man who is always at the service of his customers. He is dedicated to his work and he is very determined to fight for his dreams. He is working very hard every day in order to not let his family down. He feels happy and very comfortable with his business.

In the last few weeks, the demand has increased and he wants to take advantage to invest, but he does not have sufficient capital so he is requesting a loan from INTEGRAL, which will allow him to buy ice in bulk, fruit, and flavorings as well as to maintain the push cart from which he sells. He has good payment references and is responsible. He promises to repay the debt in the established period and, at the same time, he is hopeful that he will bring economic security to his home.
View original language description ↓
Querer ganarse un futuro mejor con su propio esfuerzo y vivir alejado de la delincuencia y pobreza es el principal propósito de éste hombre, habita junto a su grupo familiar en casa propia y se dedica a la venta de minutas en los diferentes alrededores de la localidad donde vive, tiene una valiosa experiencia en las ventas que le ayuda a generar muy buenas ganancias, es muy conocido por las personas de la comunidad y se ha hecho de mucha clientela que lo prefiere por la calidad, por los precios accesibles y por el servicio inigualable siempre a la orden de los clientes, es un hombre emprendedor, dedicado a su labor y muy decidido a luchar por sus sueños, esta trabajando duro todos los días para no decepcionar a su familia, se siente feliz y muy tranquilo con su negocio, en las ultimas semanas aumento la demanda y quiere aprovechar para invertir, pero no posee de suficiente capital que lo respalde por eso solicita a INTEGRAL un crédito que le permita comprar hielo por mayor, frutas, saborizantes y además darle mantenimiento al carrito ambulante de venta. Tiene buenas referencias de pago y es responsable, se compromete a cancelar la deuda en el periodo establecido y a la vez tiene la esperanza que llevará 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
  • 551
    View loans »
    El Salvador Loans Fundraising
  • $31,831,900
    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 ice in bulk, fruits and flavorings and to maintain his push cart.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 24, 2012
Currency Exchange Loss:
Nov 17, 2013