[This is a] woman who has had successes and failures, but who has the idea of improving her life and that of her children. She lives with her family group of four adult children, who work with her in her business. They live in an area with some of the highest social violence in the country. Every day they must cope with it in order not to be pulled in and affected by such a situation. It is important for her to have a business because it keeps her children occupied, and participating in the economic activity of society and free from the social violence, criminal activities and drugs that nowadays overwhelm the youth. Her family is the reason why she strives to offer them the best. She has been selling fruits and vegetables for some time. She is well known and she has acquired good customers who seek her out for her good way of serving them and the variety of her merchandise. In addition to this, she has a little cart for selling cakes, which helps her cover the household expenses. Now she wants to improve her workplace, and therefore continue supporting her children so they can have job opportunities in the future like her. This is why she has come to INTEGRAL to apply for a loan and thus be able to buy tomatoes, onions, chili peppers, and bananas, among other items. She is sure that with the help she receives she will be able to offer a better future to her children, and she also has hope in God that she will soon pay off the debt she acquires. She gives thanks in advance for the help that she will receive. She has the satisfaction that she is very capable of doing everything that she proposes.
Mujer con éxitos y fracasos pero con la idea de mejorar su vida y la de sus hijos. Ella reside con su grupo familiar en la que viven junto a ella 4 de sus hijos que son mayores de edad y colaboran en los oficios del negocio, residen en una zona con alta violencia social del país, Todos los días deben lidiar con ella para no verse arrastrados y afectados por tal situación, para esta mujer es muy importante contar con el negocio porque gracias a ello sus hijos permanecen ocupados, siendo personas económicamente activas para la sociedad y alejadas de la violencia social que actualmente somete a los jóvenes en actividades delictivas y drogas. Para esta mujer su familia es la razón de que se esmere para brindarles lo mejor. Se dedica a vender frutas y verduras desde hace algún tiempo es conocida y se ha hecho de buenos clientes que la buscan por su manera de atender y por la variedad de su mercancía, adicional a esto posee un carrito con venta de tortas que le ayuda a complementar los gastos del hogar. Actualmente ella tiene el deseo de mejorar su puesto de trabajo y continuar así apoyando a sus jóvenes hijos, para que también tengan fuentes de empleos junto a ella. Es por eso que se acerco a INTEGRAL para solicitar un crédito y así poder comprar tomates, cebollas, chiles, plátanos, entre otros. Esta segura que con la ayuda recibida podrá brindarle un mejor futuro a sus hijos y también tiene la esperanza en Dios, que pronto saldará la deuda adquirida. Agradece de ante mano la ayuda que recibirá, cuenta con la satisfacción de que es muy capaz de realizar todo aquello que se proponga.
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.