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Our client is 27-years old and has a small corner shop where she sells groceries and other merchandise. She says the income from the business has improved her family's standard of living. She lives with her husband and two children. Her husband works and shoulders part of the household expenses. Our client wants to increase her income and is applying for a loan that she will use to stock her store with the products--grains, soft drinks, snacks, sugar, dairy, soups, etc.--that she sells. The investment will allow her to grow the business and build a better life for her family.
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La clienta de 27 años de edad tiene una pequeña tienda en la que vende Productos perecederos como refrescos, golosinas, dulce y otras serie de artículos comestibles y no comestibles; a través de este comercio ha sacado adelante a su familia. Vive en casa de un familiar con su esposo y sus dos hijos, el esposo le ayuda con los gastos de la casa. Ella busca mejorar su calidad de vida, por lo que solicita un crédito para incrementar la variedad de sus artículos en su tienda, como: granos básicos, refrescos, golosinas, azúcar, leches, sopas, etc. lo que le permitiría incrementar las ganancias de su negocio y mejorar las condiciones de vida de su grupo familiar.

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
  • 550
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped this borrower to stock her general store.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 27, 2014
Apr 13, 2014
Currency Exchange Loss:
Nov 17, 2015