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One of his most important dreams is his wish and his motivation to improve himself. He lives with his very well-formed family unit. He buys and sells recyclable cardboard. He buys small amounts from customers and when he has amassed a considerable quantity sells it to firms that collect it. He’s been in business for some time now and he’s gained valuable work experience that makes it possible for him to earn the best profits. He’s very well-known among local residents and he has quite a few regular customers who prefer him for his good prices and excellent service. He’s an enterprising man who is dedicated to his work. He strives daily to attain a better future with new paths that are far from social violence which he’s victim of where he lives. He strives to the maximum degree every day because he’s happy with his work and does not want to disappoint his family.

Demand for the product has increased in recent weeks and he needs to make a new investment which is why he’s asking Integral for a loan to buy cardboard at wholesale. The young man has good payment references and is very responsible. He assures that he’ll be able to repay the loan while at the same time hopes to provide his small home with economic security.
View original language description ↓
El deseo y motivación de superarse es uno de los sueños mas importantes, vive junto a su grupo familiar muy bien consolidado, él se dedica a la compra y venta de cartón de reciclaje; compra a clientes pequeñas cantidades hasta recolectar un grupo númeroso de éste y luego vende a empresas que lo recolectan, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia en la labor lo que le permite obtener las mejores ganancias, es muy conocido por las personas de la localidad y ya tiene mucha clientela que lo prefiere por 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 caminos y alejado de la violencia social, de la que es victima la localidad donde vive, todos los días 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 cartón por mayor. 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
  • 493
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped this borrower to buy cardboard at wholesale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 30, 2012
Currency Exchange Loss:
Jul 20, 2013