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The desire to improve is one of the most important dreams of this woman who lives with her family in their own home. She wants to have a new beginning and thus avoid any contact with the crime that has invaded the town where she lives. Additionally, she wants to get out of poverty to the best of her ability, and this is one of the best decisions that she has made and she is proud of it.

She makes a living selling underwear as a street vendor. She already has many customers who prefer her for the quality, the attainable prices, and above all, the excellent service. She is an acitve woman, enterprising, dedicated to her work, and has many dreams that she wishes to achieve. She works hard to reach a more prosperous future, and is pleased with her work.

In the last weeks the demand for her products has increased so she wants to make a new investment, which is why she asks for a loan that will allow her to buy wholesale clothing. She has good pay references and is very responsible; certain that she will be able to settle the debt and at the same time bring financial security to her home.
View original language description ↓
El deseo de superarse es uno de los sueños mas importantes de esta mujer que vive junto a su grupo familiar en casa propia, quiere tener un nuevo comienzo y evitar así cualquier contacto con la delincuencia que tiene invadido el lugar donde reside, además desea salir de la pobreza dando lo mejor de sus capacidades, es una de las mejores decisiones que ha tomado y se siente orgullosa de eso, se dedica a la venta de ropa interior de forma ambulante, ya tiene mucha clientela que la prefiere por la calidad, por los precios accesibles y sobre todo por el servicio excelente, es una mujer activa, emprendedora, dedicada a su labor, y con muchos sueños que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero, se siente muy contenta con su trabajo, en las últimas semanas aumento la demanda por lo que quiere realizar una nueva inversión por eso le solicita un crédito que le permita comprar ropa por mayor. Tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez que llevará 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
  • 575
    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 $500 helped this borrower to buy underwear for men and women.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 8, 2012
Nov 26, 2012
Currency Exchange Loss:
May 18, 2014