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There is always new hope for those who make up their minds to live another day so that they can fulfill their goals and plans for their families, overcoming violence in society. This is the case with this woman, who lives together with her mother and her son, who is her greatest treasure. Her husband lives in the United States and helps her a little bit with finances, but not enough to cover all the household expenses. She is a determined woman whose pledge is to give the best of herself so that her family will not lack the necessities of life.

Currently, she works selling food in an area of the country. She has a small stand where, with the help of her mother and her son, she manages to have successful, work-filled days. She tells of the satisfaction of having a regular clientele; her place is located close to an industrial zone, which means that at lunchtime, every worker arrives at her stand to buy lunch because she is the only person with reasonable prices.

The borrower wishes to expand her food stand by buying tables, chairs, and more raw ingredients so that she can vary her menu and have a little more money coming in. She doesn't have enough money for this investment, and that's why she approached INTEGRAL to request a loan to buy those items. She gives her thanks in advance and hopes to be able to pay back the debt as soon as possible.
View original language description ↓

Siempre hay nuevas esperanza para todo aquel que se proponga vivir u nuevo día, y así poder lograr metas e intereses para su familia, superando la violencia social, ese es el caso de esta mujer que vive junto a su madre e hijo que es su mayor tesoro, su esposo reside en Estados Unidos y le ayuda un poco económicamente, pero no lo suficiente para cubrir todas las necesidades del hogar. Es una mujer luchadora que su empeño es dar lo mejor de si misma, para que a su familia no le falte lo necesario para la subsistencia. Actualmente trabaja vendiendo comida en una zona del país, posee un pequeño puesto en donde con la ayuda de su madre y su hijo logra tener un día exitoso, lleno de trabajo. Cuenta con la satisfacción de tener clientela fija ya que el lugar esta ubicado cerca de una zona industrial y esto hace que a la hora del almuerzo cada trabajador llegue a comprar ya que es la única persona con precios accesibles, La cliente desea ampliar su puesto es decir comprar mesas, sillas, mas materia prima para variar su menú y tener un poco de mas entrada económicamente, pero no cuenta con los suficientes ingresos para esta inversión, es por eso que se acercó a INTEGRAL para solicitar un crédito y poder comprar lo dicho; agradece la ayuda anticipadamente y espera poder solventar la deuda lo antes posible.

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
  • 499
    View loans »
    El Salvador Loans Fundraising
  • $31,356,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped this borrower for the purchase of tables, chairs, and ingredients.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 30, 2012
Currency Exchange Loss:
Apr 18, 2013