El Salvador > Apoyo Integral

About the Field Partner

Field Partner:	Apoyo Integral
Field Partner Risk Rating:	(Learn more)
Time On Kiva:	23 months
Kiva Entrepreneurs:	1070
Total Loans:	$855,375
Delinquency Rate:	0.00%
Default Rate:	0.00%
Currency Exchange Loss Rate:	0.00%
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Kiva Fundraising Status

Fundraising Status:	Active
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Other Information Sources

MIX Profile:	View MIX Profile
Network Affiliation:	ACCION International
Social Performance Reporting Level:	N/A
Consumer Protection Principles:	Endorsed
Field Partner Website:	View Website
Email Contact:	None

INTEGRAL was founded in May 2002 in response to the growing demand for loans in the marketplace and the need for an organization to meet this demand. Two partners, Fundación Dueñas and the IDB/MIF managed by Acción Internacional, also joined this noteworthy initiative.

INTEGRAL opened its doors with a clear mission: To be a company specializing in microfinance that understands and meets the needs of its clients by offering them financial products and services that are affordable, flexible, and timely in order to encourage development throughout El Salvador.

After only 5 years of operation, INTEGRAL has 23 agencies around the country and a portfolio of $42.7 million, thus benefitting more than 100,000 Salvadorans who today have a better quality of life. INTEGRAL mainly offers financial products aimed at covering the needs of its clients: working capital, purchasing fixed assets, buying and remodeling homes, debt consolidation; and for clients in the agricultural industry, it also offers products suitable for furthering improvement and expansion plans.

INTEGRAL, in addition to offering products that help support the growth rate of its clients’ business activities in an increasingly competitive world, has expanded its line of services and now offers different products for micro businesses:

As INTEGRAL expands in the country, it continues to improve its technological platform and organizational ability in order to compete by offering innovative products while maintaining personalized quality service for its clients.

INTEGRAL’s incredible journey has earned it remarkable recognition such as the 2005 Transparency Award (Premio a la Transparencia 2005) given to it by the companies MIXMARKET and REDCAMIF at the Third Central American Conference on Microfinance, and the 2006 Excellency Award (Premio a la Excelencia 2006) given to it by the Multi-Sector Investment Bank’s Micro and Small Enterprise Development Trust (BMI-FIDEMYPE in Spanish) for having experienced the most growth among institutions in 2005.

About our Clients

Since the beginning, INTEGRAL’s principal niche in the market has been businessmen and women who have already established their business but need financial support in order to strengthen or increase their inventive and business capacity. INTEGRAL is aimed at the business, production, and service sectors.

Currently, 58% of outstanding loan balances, totaling $42.7 million, is owed by businesswomen, who have also received 70% of the 32,779 loans that have been granted.

The majority of its clients have been successful, and some of their stories can be found on the website.

Agreement with FUSAI

In order to improve its financial support so that it adequately meets the underlying needs of home improvement and construction, INTEGRAL partnered with the Salvadoran Foundation for Integral Support (FUSAI ), which, in general, seeks to offer technical advice alternatives for proper use of funding for set purposes, addressing aspects such as circulation, ventilation, lighting, and, to a lesser degree, recommendations for optimizing the budget. Furthermore, the partnership seeks to ensure the progress and completion of construction work.