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The desire to improve his situation is a very important dream for this young man who lives with his family. He has a cyber cafe where he provides very efficient, fast Internet services. He has been in business for quite some time, which has given him valuable experience and allowed him to obtain better earnings. The cyber cafe is very well-known by the local people; and he has been able to attract many customers who prefer his low prices and excellent service.

He is an entrepreneur dedicated to his work, struggling every day to carve out a better future with new horizons and far away from the social violence which victimizes the town he lives in. He works to fullest capacity every day because he is happy in his job and does not want to disappoint the family. Lately he has noticed an increase in demand because more and more people are in need of this technology; but in order to maintain the good service level, he needs to make a new investment. Therefore he is requesting a loan to buy printers, desks, keyboards and monitors to renovate the business.

This young man has a good credit record and is very responsible. He is very motivated by this opportunity and is committed to paying back the loan on time, while hoping to be able to provide his small household with economic security.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de un joven que vive junto a su grupo familiar, el posee un ciber café donde presta un servicio de internet muy eficaz y rápido, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia que le permite obtener las mejores ganancias, el ciber café es muy conocido por las personas de la localidad y ya tiene mucha clientela que lo prefiere por los buenos precios y el servicio excelente; es un hombre emprendedor, dedicado a su labor todos los días lucha por conseguir un futuro mejor con nuevos horizontes y alejado de la violencia social de la que es victima la localidad en que reside, día a día 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 pues cada vez hay mas personas que necesitan de esta tecnología, pero para mantener el buen servicio necesita realizar una nueva inversión por eso solicita un crédito que le permita comprar impresoras, escritorios, teclados, pantallas, para innovar su negocio. El joven tiene buenas referencias de pago y es muy responsable, se siente muy motivado por la oportunidad y asegura que podrá cancelar la deuda, y a la vez tiene la esperanza que podrá llevar a su pequeño 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
  • $31,331,525
    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 printers, desks, keyboards and computer monitors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 6, 2012
Oct 30, 2012
Currency Exchange Loss:
Oct 25, 2013