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The desire to improve her situation is an important dream for this young woman who lives with her family. She sells tortillas and has been in business for some time, which has given her valuable sales experience and the ability to increase her earnings. She works from home and is very well-known in her town. She has many customers who prefer her quality product, low prices and excellent service.

She is a hard-working woman who is very dedicated to her activity, making every effort on a daily basis to carve out a better future with new horizons, far away from the social violence that smites the town she lives in. She works as hard as she can every day because she is happy with what she does and would not want to disappoint the family.

Lately, she has noticed a rise in product demand and needs to make a new investment. Therefore she is requesting a loan to buy wholesale maize, firewood, etc. This young lady is very enthusiastic and grateful in advance for the support. She has a good credit record and is very responsible, promising to pay back the loan. She trusts she will be able to provide her small household with economic security.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de una joven mujer que vive junto a su grupo familiar, ella se dedica a la venta de tortillas, ya tiene tiempo con el negocio y eso le ha regalado valiosa experiencia en las ventas que le permite obtener las mejores ganancias, comercia desde su vivienda y es muy conocida por las personas de la localidad se ha hecho de mucha clientela que la prefiere por la calidad del producto, los buenos precios y sobre todo por el servicio excelente; es una mujer luchadora, dedicada a su labor todos los días se esfuerza por conseguir un futuro mejor con nuevos caminos y alejada de la violencia social de la que es victima la localidad en que reside, día a día se esmera al máximo pues esta feliz con su trabajo y no quiere decepcionar a su familia, en las ultimas semanas aumento la demanda del producto y necesita realizar una nueva inversión por eso solicita un crédito que le permita comprar maíz por mayor, leña, etc. La joven esta entusiasmada y agradecida anticipadamente con el apoyo, tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda, y a la vez tiene la confianza 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
  • 537
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped this borrower to buy wholesale maize and firewood.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2012
Oct 30, 2012
Currency Exchange Loss:
Dec 19, 2013