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The drive and the motivation for self-improvement is one of this young woman’s greatest dreams. She lives with her family group and has a grocery store where she sells basic staples like basic grains, milk and eggs, among others. She’s been in business for some time now and has gained valuable sales experience that leads to the best profits. The store is very well-known among local residents and she has a large clientele that prefers her for the quality of her products, the good prices and excellent service.

She’s an enterprising woman who is dedicated to her work. She strives daily to attain a better future with new horizons that are away from the crime she’s been victimized by where she lives. She strives to the maximum every day and is happy with her work and does not want to disappoint her family.

Demand for her goods has increased recently and she needs to make a new investment which is why she’s requesting a loan from Integral to buy basic grains, instant products, snacks, bread, beverages, etc. The young woman has good payment references and is very responsible. She’s sure she’ll be able to repay the debt while at the same time trusts that she’ll be able to provide economic security for her home.
View original language description ↓
Las ganas y la motivación de superarse es uno de los sueños mas grandes de una joven mujer que vive junto a su grupo familiar, ella posee una tienda donde vende artículos de primera necesidad, granos básicos, leche, huevos, entre 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 tienda es muy conocida por las personas de la localidad y ya tiene mucha clientela que la prefieren por la calidad del producto, los buenos precios y el servicio excelente; es una mujer emprendedora, dedicada a su labor todos los días lucha por conseguir un futuro mejor con nuevos horizontes y alejada de la delincuencia, de la que es victima la localidad en que vive, 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 granos básicos, producto instantáneo, golosinas, pan, bebidas, etc. La joven tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez confía que podrá llevar 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
  • 491
    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 $300 helped this borrower to buy stock merchandise for her store.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 30, 2012
Currency Exchange Loss:
Apr 18, 2013