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The desire for self-improvement is one of this man’s most important dreams. He lives with his family unit and sells fruit and vegetables like tomatoes, onions, bananas, etc. He’s been in business for some time now and has gained valuable experience that allows him to earn good profits. He’s very well known by locals and he has a large clientele that prefer him for his good prices and excellent service. He’s an enterprising man who is dedicated to his work. He strives daily to attain a better future with better horizons that are away from the social violence his community is prone to. Day to day he strives to the maximum because he’s happy with his work and he does not want to disappoint his family.

Demand has increased in recent weeks because every day there are more people who need his product but in order to maintain the good service he needs to make an investment which is why he’s requesting a loan to buy fruit and vegetables at wholesale. He has good payment references and is very responsible. He feels very motivated by this opportunity and is sure that he’ll be able to repay the loan while at the same time hopes to be able to provide economic security to his home.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de este hombre que vive junto a su grupo familiar, el posee una venta de frutas y verduras, tomates, cebollas, platanos entre otros, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia que le permite obtener las mejores ganancias, su venta es muy conocida 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 del producto, pero para mantener el buen servicio necesita realizar una nueva inversión por eso solicita un crédito que le permita comprar frutas y verduras por mayor. 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
  • 556
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    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 fruit and vegetables at wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 26, 2012
Nov 8, 2012
Currency Exchange Loss:
Sep 17, 2013