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This borrower lives in her own home with her husband and child. She sells personal use products as a street vendor near her home. The borrower has been selling perfumes, deodorants, crèmes, and other products for three years. With the income she generates from her sales and her husband’s earnings, they are able to cover the household expenses.

The borrower is requesting a loan in order to buy more merchandise for restocking her business such as perfumes, deodorants, shampoo, and other products. This will enable her to generate more income so that she can provide a better life for her family without any limitations.

View original language description ↓
La clienta vive con su hijo y su esposo en casa propia ella se dedica a vender productos de uso personal de forma ambulante cerca de su lugar de residencia como: permufes, desodorantes, cremas, etc. desde hace 3 años con las ganancias que obtiene de sus ventas y la ayuda de su esposo logran cubrir los gastos de su hogar, La clienta solicita un credito que le permita poder comprar mas mercaderia para surtir su negocio con mas: permumes, desodorantes, comprar shampoo, entre otras cosas para obtener mejores ingresos y poderle dar a su familia una mejor vida sin limitacion alguna.

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 perfumes, deodorants, shampoo, and other products.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 8, 2013
Currency Exchange Loss:
Aug 18, 2013