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The desire and motivation to improve is one of the biggest dreams of a young woman who lives with her family. She has a shop where she sells essentials like basic grains, milk, and eggs among other items. She has already had some time with the business and it has given her valuable experience in sales which allows her to get the best income. The shop is well-known by the people in the town and already has many customers that prefer it for the quality of the products, the good prices, and the excellent service.

She is an enterprising woman; dedicated to her work every day, fighting to get a better future with new horizons and away from the crime of which the town she lives in is a victim. Day to day she tries her hardest so she is happy with her work and does not want to disappoint her family. In the last weeks the demand for her products have increased and she needs to make a new investment, which is why she asks for a loan that will allow her to buy basic grains, instant products, candies, bread, drinks, etc. The young woman has good pay references and is very responsible. She is satisfied with the help and is certain that she will be able to settle the debt. At the same time she trusts that she will be able to bring financial security to her small home.
View original language description ↓
Las ganas y la motivación de superarse es uno de los sueños mas grandes de una joven mujer que vive junto a su grupo familiar, ella posee una tienda donde vende artículos de primera necesidad granos básicos, leche, huevos, entre otros, ya tiene algún tiempo con el negocio y eso le ha regalado valiosa experiencia en las ventas que le permite obtener las mejores ganancias, la tienda es muy conocida por las personas de la localidad y ya tiene mucha clientela que la prefiere por la calidad del producto, 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 horizontes y alejada de la delincuencia, de la que es victima la localidad en que vive, 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 del producto y necesita realizar una nueva inversión por eso le solicita un crédito que le permita comprar granos básicos, producto instantáneo, golosinas, pan, bebidas, etc. La joven tiene buenas referencias de pago y es muy responsable, se siente satisfecha con la ayuda y asegura que podrá cancelar la deuda, a la vez confía 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
  • 529
    View loans »
    El Salvador Loans Fundraising
  • $31,764,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped this borrower to buy basic grains, instant products, candies, bread, and drinks.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 27, 2012
Nov 26, 2012
Currency Exchange Loss:
Jun 19, 2014