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Don Manuel lives in his own home with his wife and two children. He is a very responsible man who is always searching for better economic stability. He works in his own bakery where he makes French bread and sweetbread. He goes out to sell bread before breakfast, which is when people most consume it, as well as at supper time.
He is requesting a loan to improve his home's roof. He will buy laminate and pay the labourers. His income is not enough to cover these costs, and this way his family will be more secure in their home.
View original language description ↓
Don Manuel vive en casa propia con su esposa y sus dos hijos, él es una hombre muy responsable quien siempre está en miras de mejorar su estabilidad económica. El trabaja en su propia panadería en la que elabora pan francés y pan dulce, sale a comercializarlo antes del desayuno, que es cuando las personas más lo consumen al igual que en la cena. El esta solictando un credito para mejorar el techo de su vivienda comprando laminas y pago de mano de obra ya que con las ganancias que obtiene no logra solventar esos gastos y asi puedan vivir mas seguros en 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
  • 843
    View loans »
    El Salvador Loans Fundraising
  • $28,317,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Manuel to buy laminate and pay labourers to repair his home's roof.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 18, 2013
Currency Exchange Loss:
Nov 20, 2014