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One of this woman’s greatest dreams is her desire for self-improvement. She lives with her family group in a house of her own. She wants to have a new beginning and avoid any contact with the violence that’s been invading her neighborhood. She also wants to rise out of poverty by means of her best efforts. This is one of the best decisions she’s ever made and she’s proud of it.

She provides cosmetology services like hair straightening, haircuts and make-up, among others from place to place and already has a good regular clientele that prefers her because of the quality of her work, her affordable prices and above all her excellent service. She’s an active, enterprising woman who is dedicated to her work and with many dreams to reach is working hard to attain a more prosperous future. She feels very happy with her work.

Demand has increased in recent weeks so she wants to make a new investment to increase efficiency and quality which is why she’s asking Integral for a loan to buy hair drying equipment and an electric hair clipper. She has good payment references and is very responsible. She assures that she’ll be able to repay the loan while at the same time providing economic security for her home.
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El deseo de superarse es uno de los sueños mas importantes de esta mujer que vive junto a su grupo familiar en casa propia, quiere tener un nuevo comienzo y evitar así cualquier contacto con la delincuencia que tiene invadido el lugar donde reside, además desea salir de la pobreza dando lo mejor de sus capacidades, es una de las mejores decisiones que ha tomado y se siente orgullosa de eso, se dedica a realizar trabajos de cosmetóloga de forma ambulante, planchados, cortes, maquillajes entre otros, ya tiene mucha clientela que la prefiere por la calidad de su trabajo, por los precios accesibles y sobre todo por el servicio excelente, es una mujer activa, emprendedora, dedicada a su labor, y con muchos sueños que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero, se siente muy contenta con su trabajo. En las últimas semanas aumento la demanda por lo que quiere realizar una nueva inversión para mejorar la eficacia y calidad por eso solicita a INTEGRAL un crédito que le permita comprar un equipo de secado y una maquina para cortar cabello. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez que llevará a su 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
  • 714
    View loans »
    El Salvador Loans Fundraising
  • $29,637,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to buy hair drying equipment and a hair clipper.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 30, 2012
Currency Exchange Loss:
May 18, 2014