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This borrower works selling all kinds of personal products like lotions, deodorant, hair pins, and other items. Her business is located in her home. With the earnings she makes from her sales and her husband's help, they manage to cover their household expenses. She lives in her own home with her husband and children.

This borrower wants to increase her business, so she is requesting a loan that will allow her to purchase everything she needs, like fragrances, nail polish, deodorant, and she also wants to buy clothing. She has a large customer base because she sells her products at affordable prices. The help she is requesting will allow her to obtain higher earnings so that she can continue to give her family what they need without any limitations.
View original language description ↓
La clienta se dedica a la venta de todo tipo de productos de uso personal como lociones, desodorantes, canchos para el cabello entre otras cosas, su negocio lo tiene ubicado en su lugar de residencia con las ganancias que obtiene de sus ventas y con la ayuda de su esposo logran solventar los gastos de su hogar vive en casa propia con su esposo y sus hijos, la clienta desea acrecentar su negocio por eso solicta un credito que le permita poder comprar todo lo necesario como: perfumes, esmaltes para uñas, desodorantes y tambien desea comprar ropa ya que tiene mucha clientela por dar sus productos a precios accesibles con la ayuda solictada ella podra obtener mejores ganancias y asi seguira dandole a su famili lo que necesita 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
  • 713
    View loans »
    El Salvador Loans Fundraising
  • $29,629,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped this borrower to purchase fragrances, hair pins, nail polish, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 8, 2013
Currency Exchange Loss:
Nov 20, 2014