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The desire to better himself is one of the most important dreams of a young man who lives next to his family. He owns a bakery where he sells all manner of sweet and savory bread: sweet cheese pound cake, pastries, stuffed croissants, French bread, etc. He has already had the business for some time and this has given him valuable experience in sales that allows him to obtain greater profits.The bakery is very well-known among the people in the town and he already has lots of customers who prefer his business for the quality of his products, his good prices and his excellent service. He is an enterprising man; he is dedicated to his work and struggles each day to achieve a better future with new horizons away from the social violence victimising the town in which he lives. Day by day he is doing his utmost as he is happy with his work and does not wish to disappoint his family.

The demand for his products has increased in recent weeks and he needs to make a new investment; for this reason, he is requesting a loan from Integral, which will allow him to to buy flour, sugar, dulce (a type of sugarloaf), milk, yeast, trays, etc. The young man has good credit references and is very responsible. He says he will be able to settle the debt, and at the same time, has the hope that it will bring economic security to his home.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de un joven que vive junto a su grupo familiar, el posee una panadería donde vende toda clase de pan dulce y salado quesadillas, pastelitos, cachitos, pan francés y otros, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia en las ventas que le permite obtener las mejores ganancias, la panadería es muy conocida por las personas de la localidad y ya tiene mucha clientela que lo prefieren por la calidad del producto, los buenos precios y el servicio excelente; es un hombre emprendedor, dedicado a su labor todos los días lucha por conseguir un futuro mejor con nuevos horizontes y alejado de la violencia social de la que es victima la localidad en que reside, día a día se esta esforzando al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en las últimas semanas aumento la demanda del producto y necesita realizar una nueva inversión por eso solicita a INTEGRAL un crédito que le permita comprar harina, azúcar, dulce, leche, levadura, bandejas, etc. El joven tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez tiene la esperanza que podrá llevar a su pequeño 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
  • 552
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    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 flour, sugar, dulce (a type of sugarloaf), milk, yeast, and trays.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Oct 30, 2012
Currency Exchange Loss:
Oct 25, 2013