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There are always hard and difficult moments in life but the desire for self-improvement always arises in order to seek a better future. This woman is a clear example of this. She lives with her life companion and they are best motivated to reach their goals and not be defeated by adversities that arise even though they are surrounded by extreme social violence that hammers the zone they live in.

She’s a hardworking, honest woman who has good relationships in her neighborhood. She sells fruit and vegetables like tomatoes, onions, chilies, bananas and oranges, among others. She’s very well-known and she sells from home. She’s gradually attained customers who prefer her which is why she’d like to buy more merchandise. Unfortunately, she does not have sufficient capital to make this investment which is why she approached Integral to request a loan to buy fruit and vegetables at wholesale. She is grateful for the support she hopes to get and assures that she’ll repay the loan while at the same time is confident that she’ll provide her family with better quality of life.
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Siempre hay momentos duros y difíciles en la vida pero el deseo de superación siempre se nos presenta para asi buscar un futuro mejor. Esta mujer es un claro ejemplo de ello, vive junto a su compañero de vida, y tienen la mejor intención de cumplir sus metas y nunca dejarse vencer por las adversidades que se les presenten, aunque estén rodeados de una fuerte violencia social de la que es victima la localidad en la que viven. Es una mujer muy trabajadora y honesta con buenas relaciones en el lugar de residencia. Ella se dedica a la venta de frutas y verduras, tomates, cebollas, chiles, plátanos, naranjas, entre otros, es muy conocida, comercia desde su vivienda y poco a poco se ha hecho de clientes que la prefieren y es por eso que desea comprar más mercadería. Lamentablemente no tiene el capital suficiente para esta inversión, es por eso que se acercó a INTEGRAL a solicitarle un credito para la compra de frutas y verduras por mayor. Agradece la ayuda que espera recibir, asegura que cancelará la deuda y a la vez confía que le dará a su familia una mejor calidad de vida.

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
  • 701
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped this borrower to buy fruit and vegetables at wholesale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 30, 2012
Currency Exchange Loss:
Mar 15, 2013