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The client lives with his life and two children. He has had a business selling cheese for several years. With the earnings that he obtains he is able to cover the household expenses. He is asking for a loan in order to to buy merchandise such as: hard cheese, soft cheese, and cream, among others in order to supply his business so he can obtain better profits in order to give his family better financial stability.
View original language description ↓
el cliente vive con su esposa y sus dos hijos el tiene un negocio de venta de queso desde hace varios años con las ganancias que obtiene logra cubrir los gastos de su casa, el cliente esta solictando un credito que le permita poder comprar mas mercaderia como: queso duro, quesillo, crema, entre otras cosas para surtir su negocio y asi el pueda obtener mejores ganancias para darle a su familia una mejor estabilidad economica.

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
  • 360
    View loans »
    El Salvador Loans Fundraising
  • $31,244,550
    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 more cheese and cream for his business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 14, 2013
Currency Exchange Loss:
Jul 17, 2014