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A man with many successes and failures too but always with the idea of improving his and his family’s life. He lives with his family group in an area of the country with a high incidence of social violence. He must deal with it every day in order to avoid being swept away by it and affected by the difficult situation. His family is the reason he strives because it’s the only way to be able to give them the best.

He sells vegetables: onions, tomatoes, chilies and potatoes, among others. He’s been in business for some time now and has a large clientele that prefers him for the quality of his product, the good prices and the excellent service.

He’d like to improve his vegetable stand which is why he approached Integral to request a loan to buy vegetables at wholesale in order to earn higher profits because they can be bought for lower prices that way. He’s sure that with the support provided he’ll be able to provide a better future for his children. In addition, he trusts in God that he’ll be able to repay the acquired debt quickly. He gives thanks in advance for the help he’ll get. He states with satisfaction that he’s capable of attaining whatever he proposes for himself.
View original language description ↓
Hombre con muchos éxitos y fracasos pero siempre con la idea de mejorar su vida y la de su familia. El reside con su grupo familiar en una zona con alta violencia social del país, día a día debe lidiar con ella para no verse arrastrado y afectado por la difícil situación; su familia es la razón de que se esfuerce por que solo asi podrá brindarles lo mejor. Se dedica a vender verduras, cebollas, tomates, chiles, papas, entre otros, desde hace ya algún tiempo, se ha hecho de mucha clientela que lo prefiere por la calidad del producto, los buenos precios y el excelente servicio. Actualmente tiene el deseo de mejorar su puesto de verduras y es por eso que se acerco a INTEGRAL solicitando un crédito y así poder comprar verdura por mayor a fin de obtener mayores ganancias porque se adquieren a mas bajo precio de esa forma. Esta seguro que con la ayuda recibida podrá brindarle un mejor futuro a sus hijos y también confía en Dios que pronto saldará la deuda adquirida. Agradece de antemano la ayuda que recibirá, cuenta con la satisfacción de que es muy capaz de realizar todo aquello que se proponga.

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
  • 488
    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 $1,000 helped this borrower to buy vegetables at wholesale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Oct 30, 2012
Currency Exchange Loss:
Oct 19, 2014