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This borrower lives in her own home with her husband, her daughter, and her mother. She has been making different types of “atoles” (warm beverages made from cornmeal) for six years. She conducts her business at a park near her house. The borrower is a very hard worker who has plenty of drive to succeed. For this reason, she is requesting a loan that she will invest as operating capital for buying necessary ingredients such as milk, corn, cornmeal, flavored cornstarch, and other ingredients.

This will allow her to increase her income and improve her quality of life.
View original language description ↓
La clienta vive en casa propia junto a su esposo, su hija y su madre, ella se dedica la elaboración de diferentes tipos de atoles desde hace 6 años, esto lo realiza en un parque que se encuentra cerca de su casa, es muy trabajadora y con muchas ganas de salir adelante, por ello solicita un crédito para poder invertirlo en capital de trabajo y poder comprar los ingredientes necesarios como: leche, elotes, harina de maíz, azúcar, maicenas de sabores, etc. y de esa manera incrementar sus ingresos y mejorar su calidad de vida.

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
  • 491
    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 $500 helped this borrower to buy milk, corn, cornmeal, flavored cornstarch, and other ingredients.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 5, 2013
Sep 29, 2013
Currency Exchange Loss:
Apr 16, 2014