Translate GABV on Flickr GABV on Twitter GABV on Facebook GABV on LinkedIn GABV on YouTube Search
Menu
_MG_0024

SAC Apoyo Integral, S.A.

Website www.integral.com.sv Integral
Location El Salvador
Key figures Impact story Impact story

Mission

SAC Apoyo Integral is a specialised microfinance enterprise, socially committed to the sustainable development of its clients through quality products and services.

History

The origins of SAC Apoyo Integral are found in the credit programme started by a non-profit organisation named FUSAI (Salvadoran Foundation for Integral Support). This programme evolved through sectors typically excluded from the local economy. Eventually the initiative became the first Savings and Credit Society authorised by the SSF (El Salvador´s Financial System´s Superintendent). After ten years in the market, Integral is recognised as the fastest growing microfinance institution (MFI) in Central America.

Integral offers financial services through 26 branches located across the territory of El Salvador. It serves more than 45,000 clients and has a loan portfolio of more than $70million. Integral provides businesses growth opportunities and focuses on improving the quality of life of its clients, through initiatives such as free financial and environmental education, building technical assistance for home improvement loans, and other benefits such as micro-health and life insurance.

Structure

The main shareholders of the company (as o f December 2014) are:

Shareholder Share in %
Apoyo Integral Investment El Salvador, S. A. 51.04%
Apoyo Integral Investment Panama, S. A. 28.85%
ACP Group 20.00%
Other individual shareholders 0.11%

Board of Management

  • Luis Antonio Castillo, Chair
  • Ruben Alexander De Haseth, Vice Chair
  • Juan Pablo Meza, Chief Executive Officer

Market Focus, Products and Services

Integral is a leading Salvadoran MFI, with an experienced management team and shareholders committed to supporting the development of micro-entrepreneurs. Integral specialises in supporting entrepreneurs: without guarantees (or with insufficient guarantees); without access to financial resources (or with limited access); by investing in primary basic studies, female family heads, rural/semi urban residences, and workspaces (local massive markets or informal low-income markets).

Integral is committed to improving quality of life in the communities it serves and has nationwide coverage through a network of 26 branches. Integral is expanding via alternative distribution channels by forging alliances with large retail networks.

Integral has a strong track record of using a double-bottom line approach, having developed several products that are accompanied by free technical assistance (housing, coal-substitution) as well as being a pioneer in offering a health micro insurance product, and green products (solar lamps and cook stoves).

 

 

Share 

Key figures for SAC Apoyo Integral, S.A.

* Figures in USD million
** Based on local currency
 20142013201220112010
Total Assets8582758185
Total Loans6866646873
Total Deposits2218810
Total Equity1213121212
Equity/Total Assets13.6%15.8%16.6%14.6%13.8%
BIS 1 Ratio14.0%14.2%14.9%13.0%12.0%
Total Revenue1414141514
Net Income-1.10.6%0.00.30.9
Total Loans/Total Assets79.3%79.9%86.1%84.0%85.5%
Total Deposits/Total Assets25.5%22.4%11.0%1.7%N/A
Loan Growth**3.1%2.3%-5.7%-6.4%27.3%
Deposit Growth**18.5%123.8%496.8%N/AN/A
Cost/Income Ratio84.0%69.8%66.9%66.9%75.6%
Return on Assets-1.39%0.72%0.05%0.37%1.25%
Return on Equity-9.3%4.5%0.3%2.6%8.4%
Co-Workers382422401373401

Join our mailing list