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Miguel, age 43, has worked very hard making and selling tortas for the past eight years. He lives with his wife and two children, who are both in school. Miguel has a food cart located outside a stadium, which has earned him a lot of dedicated customers since people come to the stadium every day to play all kinds of sports. Furthermore, he's located in an area with a lot of foot traffic so a lot of people passing through stop by to eat something, as well.

Miguel wants to grow his business, increasing the production of his torta stand while also starting to sell drinks like sodas, juices, and bottled water. That's why he's seeking a loan with INTEGRAL. The loan will permit him to improve his production and sales, buying larger quantities of bread, vegetables, meat, seasonings, various beverages, and other items that will allow him to greatly improve his earnings, which is a pre-request to providing for his home.
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Miguel de 43 años de edad, trabaja muy duro elaborando tortas desde hace 8 años atrás. Él vive junto a su esposa y dos hijos que se dedican a estudiar. Miguel tiene ubicado su carretón a las afueras de un estadio, por lo que tiene muchos clientes fijos ya que a diario las personas asisten a este lugar para practicar diferentes deportes, así mismo esta es una zona de mucho transitan por lo que muchas de las personas que transitan por el lugar consumen también sus alimentos. Miguel desea hacer crecer su negocio elaborando más tortas y así mismo vendiendo bebidas como sodas, jugos y agua embotellada, es por esta razón que solicita un préstamo a INTEGRAL, y de este modo mejorar su producción y venta de alimentos, comprando mayor cantidad de pan, vegetales, carne, jamón, aderezos, diferentes tipos de bebidas y otros más que le permitan mejorar en gran manera sus ganancias lo cual es primordial para el sostenimiento de su hogar.

Additional Information

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
  • 431
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Miguel to buy ingredients for making and selling tortas.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 2, 2013
Currency Exchange Loss:
Mar 17, 2014