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The enthusiasm to do better is one of the most important dreams of this young woman, who lives with her family group. She has a beauty salon where she does haircuts, hairdos, eyebrow shaping, and acrylic nails, among other services. She has already had the business for some time, and this has given her valuable experience that allows her to obtain the best earnings. The salon is well known by people in the community, and she already has many customers who prefer her for the quality of her work, the good prices, and the excellent service. She is an entrepreneurial woman, dedicated to her work. Every day she strives to achieve a better future with new paths, removed from the social violence of which the area in which she lives is a victim. Every day she exerts herself to the maximum since she is happy with her work and does not want to disappoint her family. In recent weeks demand has increased, and she needs to make a new investment so that she does not disappoint her customers. For this reason she is applying for a loan that will allow her to buy scissors, cosmetics, dryers, etc. The young woman has good payment references and is very responsible. She feels very happy about the help and assures that she will be able to pay the debt, and at the same time she has hope that she will be able to bring economic security to her household.
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El entusiasmo de superarse es uno de los sueños mas importantes de una joven mujer que vive junto a su grupo familiar, ella posee una sala de belleza donde realiza cortes, peinados, planchados, uñas acrílicas, entre otros, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia que le permite obtener las mejores ganancias, la sala es muy conocida por las personas de la comunidad y ya tiene mucha clientela que la prefiere por la calidad, 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 caminos y alejada de la violencia social de la que es victima la localidad en que reside, todos los días se esta esforzando al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en las ultimas semanas aumento la demanda y necesita realizar una nueva inversión para no decepcionar a sus clientes por eso solicita un crédito que le permita comprar tijeras, cosméticos, secadoras, etc. La joven tiene buenas referencias de pago y es muy responsable, se siente muy alegre por la ayuda, asegura que podrá cancelar la deuda, y a la vez tiene la esperanza 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
  • 490
    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 $500 helped this borrower to buy scissors, cosmetics, and dryers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 8, 2012
Oct 30, 2012
Currency Exchange Loss:
Feb 21, 2014