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Rosa Arely
Rosa has been making her living in agriculture for 5 years; her main crops are corn and beans. She sells her products in bulk grain buying and selling agencies. With the profits that she makes; she is able to cover the household costs, she lives in her own home with her husband and their two children aged 3 and 8 years old. Rosa wants to finish building her home, but what she earns from her sales is not enough to cover those costs, which is why she decided to seek a loan from Integral to buy bricks, cement, sand, gravel and so on, as well as to pay for laborers and be able to finish building the home as she has always dreamed of, so that she and her family can live more comfortably and in greater security.
View original language description ↓
Rosa se dedica a la agricultura desde hace 5 años su principal siembra es el maíz y el frijol vende sus productos en agencias de compra venta de granos básicos, con las ganancias que obtiene logra solventar los gastos de su hogar, vive en casa propia con su esposo y sus dos hijos de 8 y 3 años de edad, rosa quiere terminar de construir su vivienda pero con lo que gana de sus ventas no le alcanza para poder cubrir esos gastos por eso tomo la decisión de solicitar un préstamo a INTEGRAL para poder comprar ladrillos, cemento, arena, hierro, grava, etc. y pago de mano de obra y poder terminar de construir su casa como siembre lo ha soñado para que ella y su familia puedan vivir mas cómodos y seguros.

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
  • 783
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Rosa Arely to buy bricks, cement, sand, iron, gravel, and so on, as well as to pay for laborers.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jun 23, 2013
Currency Exchange Loss:
Mar 26, 2015