Apoyo Integral


SAC Apoyo Integral is a specialised microfinance enterprise. Integral specialises in supporting entrepreneurs without guarantees (or with insufficient guarantees) and without access (or with limited access) to financial resources. Integral has nationwide coverage through a network of 26 branches and is expanding via alternative distribution channels by forging alliances with large retail networks.

Integral has developed several products that are accompanied by free financial and environmental education, free technical assistance for housing loans (home improvement, coal-substitution) as well as a health micro-insurance product, life insurance, and green products (solar lamps and cook stoves).