The client lives with her parents and her son in the father's home. She is in agriculture for a living, specifically cultivating corn and sorghum. She has been working in this field for many years and it has been valuable experience that has allowed her the best crops. The cultivation land is located in an agricultural zone. She sells in all surrounding zones and already has many regular customers. These people always prefer her product as it is high quality and at affordable prices. The client is a woman dedicated to her work, a fighter always willing to work hard to succeed. She wants to take advantage of boom of her business to expand production and be able to have better earnings. She needs to invest in supplies but needs capital, for which she is requesting from INTEGRAL a loan that would allow her to buy corn seed, sorghum, fertilizer, insecticide, tools, etc. She is confident that she will be able to give her family the life that they deserve.
La clienta vive con sus padres y su hijo en casa del papa, ella se dedica a la se dedica a la agricultura específicamente al cultivo de maíz y sorgo, tiene muchos años de trabajar en este rubro y se ha hecho de experiencia muy valiosa que le permite obtener las mejores cosechas , el terreno de cultivo está ubicado en una zona de incidencia agrícola, ella comercia en todas las zonas aledañas y ya tiene mucha clientela fija, estas personas siempre prefieren su producto pues es de calidad y a precios realmente accesibles, la clienta es una mujer dedicada a su labor, luchadora siempre dispuesta a trabajar duro para alcanzar el éxito, quiere aprovechar el auge de su negocio para aumentar la producción y así poder tener mejores ganancias, necesita invertir en insumos pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, sorgo, abono, insecticida, herramienta, etc. confía que podrá darle a su familia la vida que se merecen.
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.