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In life, one always encounters success and failure, but what never is lacking is a desire to improve one's situation. This is what is most important for a woman who lives with her family in an area with a high rate of social violence and delinquency. She does not want to be affected by this, which is one of the best decisions she has made, for which she is proud. She sells clothing, shirts, pants and dresses, among other items. She sells in a location which she considers is very good for business and already has many customers who prefer the quality of her products, low prices and, above all, excellent service she provides.

She is a very active, enterprising woman who is dedicated to her work, with many goals to achieve. She is working hard to have a more prosperous future and is happy with the business but knows she must expand it in order to overcome poverty. Lately, she has noticed an increase in demand and therefore wants to make a larger investment to buy merchandise. Thus, she is requesting a loabn to buy wholesale clothing. She is very satisfied with this support, because she knows she has a good credit record and is very responsible. While committed to paying back the loan on time, she is also confident she will be able to provide her household with economic security.
View original language description ↓
En la vida siempre hay éxitos y fracasos pero lo que nunca falta es el deseo de superarse, este es el sueño mas importante de una mujer que vive junto a su grupo familiar en una zona de alta incidencia de violencia social y delincuencia, desea no verse afectada por ella, es una de las mejores decisiones que ha tomado y se siente orgullosa de eso, se dedica a la venta de ropa, camisas, pantalones, vestidos entre otros, comercia en un lugar que catalogo como muy bueno para el negocio y ya tiene mucha clientela que la prefiere por la calidad del producto, por los precios accesibles y sobre todo por el servicio excelente, es una mujer activa, emprendedora, dedicada a su labor, y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas próspero. Se siente muy contenta con el negocio pero sabe que necesita hacerlo crecer a fin de salir de la pobreza, en las últimas semanas ha aumentado la demanda, por lo que quiere realizar una mayor inversión en la compra de mercadería por eso solicita un crédito que le permita comprar ropa por mayor. Esta muy satisfecha con el apoyo, sabe que tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez confía que llevara 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
  • 375
    View loans »
    El Salvador Loans Fundraising
  • $31,248,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped this borrower to buy wholesale skirts, blouses, t-shirts, socks and pants.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Oct 30, 2012
Currency Exchange Loss:
Feb 21, 2014