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Yovanny Ernesto
Yovany, 38, has been working making and ice-cream for 20 years. He sells it from place to place in various neighborhoods near his place of residence. He has many customers and with profits earned from his work he’s able to cover some of his household expenses. He lives in a house of his own with his wife and two children.

Yovany’s asking for a loan to buy roofing purlins, fiber roofing sheets and to pay labor costs to install a room on his house since he currently just has a big shed made of sheeting and when it rains it doesn’t shelter them very well. In this way he will be able to give his family amore secure home.
View original language description ↓
Yovany de 38 años de edad se dedica a la elaboración y venta de sorbetes desde hace 20 años vende de forma ambúlate en las diferentes colonias que están cerca de su lugar de residencia tienen mucha clientela, con las ganancias que obtiene de su trabajo logra solventar algunos gastos de su hogar vive en casa propia con su esposa y sus dos hijos, yovany está solicitando un crédito para poder comprar polines, duralita y pago de mano de obra y mandar a poner el techo a su vivienda ya que solamente tienen una galera hecha de laminas, y cuando es la temporada de lluvia la galera no los cubre bien , y asi poderle dar a su familia seguridad en su vivienda.

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
  • 701
    View loans »
    El Salvador Loans Fundraising
  • $27,168,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Yovanny Ernesto to buy roofing supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 28, 2013
Jun 5, 2013
Currency Exchange Loss:
Aug 23, 2014