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She’s a very enterprising woman whose greatest wish is to provide her family with a better future; she wants new horizons that are free of the crime in which the principle victims are the youth who live in her area. She worries because she has young children. She has a family group she strives for daily. She’s very hardworking and for many years has been making wallets, purses, satchels and other thread, leather, and synthetic material. She’s been in this business for several years now and feels proud because she’s attained good results. She has a large clientele in a place she indicated is very good for developing her activities. With this income she’s able to provide daily bread for her family.

Now her wish is not only to provide for her home, but also grow her business by incorporating her children into her work resulting in more job opportunities and more income for them. She’s convinced that as production rises to too will sales which is why she approached Integral to request a loan to buy fabric at wholesale, leather, zippers, etc.

She gives thanks in advance for the collaboration she’ll get and trusts that God will never abandon her so that none of her family members will be influenced by bad companions and that she’ll always be occupied in good works like these and therefore be a good example for society.
View original language description ↓
Es una mujer muy emprendedora que su mayor deseo es entregarle un mejor futuro a su familia queriendo tener nuevos horizontes y olvidarse de la delincuencia de la que están siendo victimas principalmente los jóvenes del sector donde reside, ello la preocupa dado que tiene hijos jóvenes. Su familia siempre ha sido la razón por la cual se esfuerza día a día, es muy trabajadora y desde hace muchos años se dedica a la confección de carteras, billeteras, maletines entre otros productos de tela, cuero y materiales sintéticos, tiene varios años de dedicarse a este trabajo y se siente orgullosa porque ha logrado que le dé buenos resultados, tiene mucha clientela en un lugar que identifico como muy bueno para desarrollar sus actividades; con estos ingresos ella le brinda el pan de cada día a su familia. Pero ahora su deseo no es sólo llevar sustento a su hogar sino crecer con su negocio, incorporando a sus jóvenes hijos al negocio que posee, a fin de que posean una fuente de empleo que les genere ya un ingreso económico mas de ellos. Ella tiene la convicción de que si aumenta su producción así aumentarán las ventas, es por eso que se acercó a INTEGRAL para solicitar un crédito que le permita comprar tela por mayor, cueros, zipers o cierres, etc. Agradece la colaboración anticipadamente que recibirá y tiene esperanza en Dios que nunca la abandonará para que a ninguno de los miembros de su familia se vean influenciados por malas compañías y estar siempre ocupados en obras buenas como éstas y así ser ejemplo para la sociedad de como se pueden hacer bien las cosas.

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
  • 530
    View loans »
    El Salvador Loans Fundraising
  • $31,752,150
    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 fabric at wholesle, leather and zippers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2012
Nov 8, 2012
Currency Exchange Loss:
Sep 17, 2013