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This woman is admirable, hardworking and enterprising. Her biggest desire has been to give the best to her children, and it is for them that she gets up every morning hoping to move up in life and overcome the violent society that surrounds her. She currently sells cosmetics and beauty supplies. In this way, alongside her husband, they are able to provide the daily bread. She has regular customers who seek her out at home to buy her products, making her seem like a great saleswoman and entrepreneur. She wishes to have more products in stock since she only manages a small product line with diverse options. It's for this reason she is requesting a loan from Kiva partner Apoyo Integral, so she can be closer to her dream of having her own small store that is profitable and not in her home. She plans to purchase more creams, perfumes, lipsticks, eye shadows and a wide range of other cosmetics. She hopes to receive your help and at the same time promises to make her payments on time.
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Mujer admirable, luchadora y emprendedora, su mayor deseo ha sido entregarle lo mejor a sus hijos y es por ellos por quienes cada mañana se levanta con deseos de superación y ganas de sobrellevar la dura situacion de violencia social que la rodea. Actualmente vende cosméticos y productos de belleza para mujeres; es la forma como junto a su esposo llevan el sustento diario a su hogar. Por su manera de ser posee clientes que incluso la buscan en su casa para comprarle sus productos y esto la hace ver como una gran vendedora, futura empresaria. Desea tener mas surtido de productos ya que solo maneja una pequeña linea de las diversas opciones, es por eso, que se acerco a INTEGRAL solicitando un crédito y así poder estar mas cerca de su sueño que es llegar a tener un pequeño negocio propio y rentable en un local independiente de su casa. Desea comprar mas cremas, perfumes, labiales, sombras, y diversos cosméticos. Espera recibir su ayuda y a la vez se compromete a solventar la deuda antes de lo previsto.

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
  • 532
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    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 purchase more creams, perfumes, lipsticks, eye shadows and other cosmetics.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 29, 2012
Oct 30, 2012
Currency Exchange Loss:
Sep 17, 2013