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This young woman is starting a business selling clothes such as shirts, skirts, pants and dresses, among others. She wants to have a new beginning and leave behind the life of delinquency. This is one of the best and biggest decisions she has made, and her family is prepared to support her.

She sells in the areas around schools and from the home where she lives. She hopes to acquire sales experience, which will allow her to earn good profits. She hopes to build a large clientele, because people will prefer her for the quality, accessible prices and excellent service. She is an active, entrepreneurial woman, dedicated to her work, determined, and with many goals she wishes to achieve. She is working hard to achieve a more prosperous future. She is very content with her business.

In recent weeks, demand has increased, which is why she wants to make a new investment to take advantage of the season. This is why she is applying for a loan from INTEGRAL that will allow her to buy wholesale clothes. The young woman has good payment references and is responsible. She is committed to repaying the debt and at the same time has the hope of bringing economic security to her home and a better quality of life for everyone.
View original language description ↓
Esta joven mujer esta empezando un negocio de venta de ropa como camisas, faldas, pantalones, vestidos, entre otros, quiere tener un nuevo comienzo y dejar la vida de delincuencia, es una de las mejores y mas grandes decisiones que ha tomado y su grupo familiar esta dispuesto a darle su apoyo, comercia de forma ambulante en los alrededores de centros escolares y desde su hogar, espera adquirir experiencia en las ventas para obtener buenas ganancias, sus precios accesibles y el excelente servicio considera que harán de ella una buena comerciante; es una mujer activa, emprendedora, dedicada a su labor, luchadora y con muchas metas que desea lograr, esta trabajando duro por alcanzar un futuro mas prospero, se siente muy contenta con el negocio, en las ultimas semanas aumento la demanda por lo que quiere realizar una nueva inversión para aprovechar la temporada por eso solicita a INTEGRAL un crédito que le permita comprar ropa por mayor. La joven tiene buenas referencias de pago y es responsable, se compromete a cancelar la deuda y a la vez tiene la esperanza que llevara a su hogar seguridad económica y una mejor calidad de vida para todos.

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
  • 531
    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 wholesale clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 3, 2012
Jan 8, 2013
Currency Exchange Loss:
Jul 20, 2013