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This borrower is a very hardworking, honest, and responsible person. With a lot of effort, she managed to set up a small bakery in her house where she makes sweet bread and French bread. This business gives her very good earnings, enabling her to cover the household expenses. She lives in her mother's house with her husband and their 3 year-old child. She is requesting a loan to buy flour, butter, cinnamon, cooking oil, corn, milk, and other products, as these are some of the ingredients that she uses to make her bread. This way she can continue with her business, which is her only source of income, so that she and her family can have a better quality of life.
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La clienta es una persona muy trabajadora, honesta y responsable, con esfuerzos a logrado poner una pequeña panadería en su casa donde elabora pan dulce y pan francés, la cual le deja muy buenas ganancias que le sirven para solventar los gatos que se le presentan en su hogar, vive en casa de su madre con su esposo y su hijo de 3 años de edad, la clienta esta solicitando un crédito para la compra de harina, manteca, canela, aceite, maíz, leche, etc. pues esos son algunos de los ingredientes que utiliza para elaborar el pan y asi seguir con su negocio que es su única fuente de trabajo y poder tener una mejor calidad de vida con su familia.

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
  • 545
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped this borrower to buy flour, butter, cinnamon, cooking oil, corn, milk, and other products,.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 28, 2013
Sep 11, 2013
Currency Exchange Loss:
Feb 20, 2015