This borrower, 25, lives with her life partner and her daughter. She is a young hard-worker who has a metal structures workshop. As a woman, she knows how to carry out her job, making doors, balconies, bars, and other items. She has several years of experience in this business and this experience helps her to improve her work every day. Thus far, this business has given her very good results. She has many customers who seek her out due to the high quality of her work, affordable prices, and most of all, because she does the work according to the customer's preferences. She wants to grow her business but needs capital to buy materials. Therefore, she is requesting a loan from Integral to buy iron, metal, tools, and other items. This lender has good credit references and she is sure that she will pay off this debt. This loan will also bring her economic stability.
la clienta de 25 años de edad vive junto a su compañero de vida y su hija, ella es una joven muy trabajadora posee un taller de estructuras metálicas, siendo mujer sabe desempeñar muy bien su trabajo, elabora puertas, balcones, rejas entre otros, tiene varios años de dedicarse a este negocio y tiene mucha experiencia que le ayuda a mejorar cada día su labor, hasta ahora el negocio le ha dado muy buenos resultados ya se hizo de mucha clientela pues la buscan por la calidad de su trabajo, por los precios accesibles pero sobre todo porque siempre realiza el trabajo al gusto del cliente; ella quiere hacer crecer el negocio pero necesita de capital para compra de material por eso le solicita a INTEGRAL un crédito que le permita comprar, hierro, metal, herramienta etc. la clienta tiene buenas referencias crediticias y está segura que podrá saldar la deuda y a la vez llevar a su hogar seguridad económica.
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.