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The Borrower lives in her own home with her husband, and makes a living selling a wide range of goods such as umbrellas, saucepans, frying pans, and plastic containers, among other items. With the earnings she makes and the support of her husband they manage to cover their household expenses. The Borrower is requesting a loan to buy more merchandize and stock her business, because she has a lot of customers who want to buy her low-priced, high-quality products. However, she does not earn enough to be able to make this investment, which is why she is requesting a loan to boost her profits and make a better life for her and her husband.
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La Clienta vive en casa propia con su esposo, ella se dedica a vender todo tipo de articulos como: sombrilla, ollas, sartenes, depositos de plastico, entre otras cosas con las ganancias que obtiene y con la ayuda de su esposo logran cubrir los gastos de su hogar. La clienta solicita un credito para poder comprar mas mercaderia y surtir su negocio ya que tiene mucha clientela por sus buenos productos y precios tan accesibles que los vende pero con lo que gana no le alcanza para realizar esa inversion por esa razon solicita el credito y asi obtener mejores ganancias y tener una mejor vida con su esposo.

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
  • 489
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped this borrower to buy merchandize such as umbrellas, saucepans, frying pans, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 14, 2013
Currency Exchange Loss:
May 18, 2014