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Rufino lives with his wife and their two children, ages ten and twelve years old, who are both students. He is a responsible and hard-working father who makes an effort every day to ensure his family does not lack for basic necessities. He works as a guard in a business, which is a very risky occupation.

Rufino is requesting this loan from FUSAI, which he will invest in the purchase of metal sheets to repair the roof of a corridor in his home. Additionally, he will purchase the materials and labor to expand his bathroom, making the septic tank deeper. This will provide a healthier, cleaner environment for his family.

Rufino is a humble man whose greatest priority is the well being of his family, which he will achieve with the help of this loan.
View original language description ↓
Rufino vive junto a su esposa y dos hijos de diez y doce años de edad quienes se dedican a estudiar. Rufino es un padre muy responsable y trabajador quien se esfuerza día con día para que a su familia no le haga falta lo necesario para vivir, él trabaja como vigilante en una empresa, este es un oficio muy riesgoso. Rufino solicita un préstamo a FUSAI, para poder invertir en la compra de láminas para reparar el techo de un corredor de su casa, así mismo para poder comprar todos los materiales necesarios y mano de obra para mandar a ampliar su baño sanitario y también hacer más profunda la fosa de este, lo que brindará un ambiente más saludable y limpio a su familia. Rufino es una persona muy humilde quien su mayor prioridad es el bienestar de su familia, lo cual logrará gracias a este préstamo.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

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
  • 708
    View loans »
    El Salvador Loans Fundraising
  • $27,167,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Rufino purchase materials to improve his bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Aug 26, 2013
Currency Exchange Loss:
Oct 25, 2013