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Rosa Elvira
Rosa, 53, has made a living for six years selling all types of toys: dolls, cars, balls, etc. She lives with her mother and her life partner in her own house.

Rosa has managed to pay for some of the household expenses with the sales she makes and the help of her husband. She wants to make an improvement to her house, though, but doesn't have enough money to do it with what she earns.

This is why she's requesting a loan to buy materials to build a ditch to put in her own bathroom and be able to begin to make changes to her house.
View original language description ↓
Doña rosa de 53 años de edad se dedica a la venta de todo tipo de juguetes muñecas, carros, pelotas, etc. desde hace 6 años, vive con sus madre y su compañero de vida en casa propia, con las ventas que realiza y la ayuda de su esposo han logra solventar algunos gastos de su hogar pero doña rosa desea hacerle una mejora a su vivienda ya que con lo que gana no le es suficiente para realizarlo por eso solicita un credito para comprar materiales y construir una foso para poner su propio baño y poder empezar a darle un cambio a su hogar.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 752
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Rosa Elvira to buy materials to build her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 8, 2013
Apr 28, 2013
Currency Exchange Loss:
Nov 17, 2013