Apoyo Integral

Sociedad de Ahorro y Crédito Apoyo Integral, S.A. (operating as Apoyo Integral or Integral) is a microfinance institution founded in 2002 and headquartered in San Salvador, El Salvador. The institution provides financial inclusion services to micro and small enterprises (MYPEs), particularly those with limited or no access to traditional banking resources. Its core products include microloans for working capital, fixed assets, home improvements, and green products such as solar lamps. A significant portion of its loan portfolio targets clients in rural areas and those with no prior credit history in the regulated financial system. Beyond credit, Apoyo Integral offers free financial and environmental education, technical assistance for housing loans, and various micro-insurance products. The institution operates through a network of 27 agencies and over 900 payment points across El Salvador. In June 2024, Apoyo Integral requested regulatory authorization to transform into a full bank (Banco Apoyo Integral, S.A.). Its shareholders include Apoyo Integral Inversiones El Salvador, Apoyo Integral Inversiones Panama, and Grupo ACP Inversiones y Desarrollo (Peru), with key investors including the Fundación Salvadoreña de Apoyo Integral and Bamboo Capital Partners.