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The wish to better himself is one of this man's most important dreams. He lives with his family and sells french bread. He has already been in this business for some time, and that has given him valuable experience that allows him to obtain the best earnings. His bakery is very well known by local people, and already has a large clientele that prefer him for the good prices and excellent service.

He is enterprising man, devoted to his work, and every day he strives to secure a better future, with new horizons, away from the social violence that his community is a victim of. Day by day, he doing his very best, as he is happy with his work and doesn't want to let his family down.

In recent weeks, demand has increased, as there are more and more people who need the product. But to maintain the good service, he needs to undertake a new investment. That is why he is applying for a loan that will allow him to buy flour at wholesale, yeast, etc.

The young man has good payment references and is very responsible. He feels very motivated by the opportunity, and says that he will be able to pay off the debt. At the same time, he hopes he will be able to bring financial security to his small household.
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 pan francés, 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 harina por mayor, levadura, etc. 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
  • 555
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    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 flour at wholesale, and yeast.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Jan 8, 2013
Currency Exchange Loss:
Dec 19, 2013