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This borrower lives in a family house with her parents and her one-year-old daughter. She sells perfumes, creams, deodorants, etc. in various neighborhoods close to her home. With her earnings, she manages to cover her own expenses and help her parents with the household expenses.

She has applied for a loan to buy more merchandise and stock her business with different products to satisfy her clients. She will then earn a better income to have better financial stability along with her family.
View original language description ↓
La clienta vive en casa de un familiar con sus padres y su hija de 1 año de edad, ella vende perfumes, cremas, desodorantes, etc. en las diferentes colonias que están cerca de su lugar de residencia con las ganancias que obtiene logra solventar los gastos que tiene y ayuda a sus padres en los gastos de la casa, la clienta solicita un crédito para poder compra mas mercadería y surtir con diferentes productos su negocio para satisfacer a sus clientes y asi obtener mejores ganancias para tener con su familia una mejor estabilidad económica.

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
  • 567
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $325 helped this borrower to buy perfumes, deodorants, lotions, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 5, 2013
May 20, 2013
Currency Exchange Loss:
Dec 19, 2013