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This borrower is 26 years old and he lives with his wife and daughter in his own house. He has been running his own bakery for many years, and it is located in his house. He prepares French bread and sells his products to the different neighborhood close to his house. He has many fixed customers, and he succeeds in paying for his household expenses thanks to his earnings. He is requesting a loan to buy flour, yeast and other ingredients, in order to offer his family a high quality standard of living with practically no restrictions.
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El cliente de 26 años de edad, vive con su esposa y su hija en casa propia, el posee una panadería en su lugar de residencia desde hace varios años en donde elabora pan francés, comercializa sus productos en las diferentes colonias que están cerca de su casa, posee mucha clientela establecida, con lo que obtiene de sus ventas logra solventar las necesidades que se le presentan en su hogar, el cliente solicita un crédito para la compra de harina de pan, levadura, etc. Para darle a su familia una mejor calidad de vida sin limitación alguna.

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
  • 543
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped this borrower to buy flour and yeast.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 11, 2014
Jul 7, 2014
Currency Exchange Loss:
Mar 26, 2015