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This borrower, age 27, lives in his own house with his family. He works selling clothing and personal accessories. His business is located in the outer part of his home. With what he earns from his job he is able to take care of some of the household expenses.

He wants to improve his house but with what he earns he can’t quite manage to do it. The borrower is asking for a loan to be able to buy the materials he needs, such as cement, iron, and hurricane fencing, to build a wall in front of his home and so to be able to live more safely with his family.
View original language description ↓
el cliente de 27 años de edad vive en casa propia con su grupo familiar, el se dedica a la venta de ropa y accesorios de uso personal su negocio lo tiene ubicado en las afueras de su casa, con lo que obtiene de su trabajo logra solventar algunos gastos de su hogar, el quiere mejorar su vivienda pero con lo que gana no le alcanza para poder realizarlo, el cliente esta solicitando un crédito para poder comprar los materiales necesarios como cemento, hierro y maya ciclón para construir un muro en la parte de enfrente de su casa y asi puedan vivir mas seguros 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About El Salvador

  • $7,500
    Average annual income
  • 516
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    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 cement, iron, and hurricane fencing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 3, 2013
Jan 2, 2014
Currency Exchange Loss:
Dec 17, 2014