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In the world there are people with wishes and hopes to overcome the greatest adversities caused by poverty and social unrests. They opt to work honestly visualizing a better future for their children.

This is the best option for the client. She lives with her life companion and young daughter. She’s a tenacious woman whose greatest dream is to offer her minor children better life opportunities. She currently sells perfumery, fabric, cosmetics, silver and gold plated jewelry from place to place. This is how she provides daily sustenance for her home and they live in peace. It gladdens her very much to awaken every morning and leave her house so that her daughter will enjoy the fruits of her labor in the future.

She wants to have more variety of products but unfortunately does not have sufficient capital to make this dream reality which is why she’s approached Integral to request a loan to buy more creams, different type of fabrics and a variety of cosmetics to reach one more goal she has for her and her family. She hopes to repay the loan quickly and gives thanks in advance for the help.
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En el mundo hay personas con deseos y aspiraciones para superar las mas grandes adversidades a las que somete la pobreza y provocadas por la violencia social; optar por trabajar honradamente visualizando un mejor futuro para sus hijos es la mejor opción de esta mujer, reside con su compañero de vida y su hija que es menor de edad. Es una mujer luchadora, su mayor sueño es ofrecer a su familia mejores oportunidades de vida en el corto tiempo. Actualmente se dedica a vender de forma ambulante: perfumería, telas, cosméticos y enchape de oro y plata, es así como día a día lleva el sustento diario a su casa y subsisten. Le alegra mucho despertarse cada mañana, y salir de su casa a trabajar para que el día de mañana su hija vea los frutos de su esfuerzo.Desea tener mas variedad de producto, pero lamentablemente no tiene el capital suficiente para llevar a cabo este sueño, es por eso, que se acerca a INTEGRAL para solicitar un crédito y comprar mas cremas, diferentes tipo de telas, cosméticos en variedad y así lograr cumplir una meta mas para ella y su familia. Cuenta con la seguridad que pronto saldrá de la deuda adquirida y agradece de antemano por la ayuda.

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
  • 460
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped this borrower to buy more creams, different types of fabric and a variety of cosmetics.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 30, 2012
Currency Exchange Loss:
Dec 15, 2012