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Her desire to succeed is one of the greatest dreams for this young woman who lives with her family. She has a store where she sells primary needs products like basic grains, milk, eggs, and other things. She has been doing this for some time and it has provided her with valuable sales experience that has allowed her to obtain greater income. Her store is very well-known by the local people and she has many customers who prefer to buy from her because of the quality of her products, good prices, and excellent service. She is an enterprising woman who works every day to provide her family with new horizons, far from the crime in her neighborhood. Each day she works hard, is happy, and doesn’t want to disappoint her family. The demand for her products has risen in the past few weeks and she needs to make a new investment. She is asking for a loan that will allow her to buy basic grains, instant products, snacks, bread, drinks, etc. This young woman has great payment references and is very responsible. She is confident that she will be able to pay off her debt and bring financial security to her small home.
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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
  • 498
    View loans »
    El Salvador Loans Fundraising
  • $31,356,700
    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 stock her store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 29, 2012
Jan 8, 2013
Currency Exchange Loss:
Jan 25, 2014