SAC Apoyo Integral, S.A.

Website Integral
Location El Salvador
Key figures Impact story Impact story


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


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.


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).




Key figures for SAC Apoyo Integral, S.A.

* Figures in USD million
** Based on local currency
Total Assets1431221049585
Funds Under Management00000
Total Assets and Funds Under Management1431221049585
Total Assets and FUM Growth (One Year, Local Currency)16.93%17.99%9.25%10.96%3.89%
Loans (net)11499857668
Loans to Total Assets79.6%80.6%81.9%79.8%79.2%
Loan Growth (One Year, Local Currency)15.42%16.21%12.09%11.73%3.80%
Client Funding6653403022
Client Funding to Total Assets46.2%43.5%38.8%31.8%25.5%
Client Funding Growth (One Year, Local Currency)24.06%32.39%33.21%38.39%18.47%
Equity to Total Assets14.1%14.2%14.6%14.1%13.6%
Tier 1 Capital Ratio15.4%11.0%12.3%13.6%14.0%
Total Revenue22.219.516.514.613.6
Net Income3.
Return on Assets2.55%2.18%1.79%1.20%-1.39%
Return on Equity18.21%15.01%12.29%8.23%-9.32%
Cost to Income Ratio63.8%68.2%70.3%75.8%84.0%
Clients (sum of lending and deposit)52,17446,97543,65741,88041,658