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Wilber Eli
Wilber lives with his mother and two sisters, for whom he works hard to get ahead. He has been living here for three years but he is very well known in the area and had good personal references. He wants to have better living conditions so he wants to replace the roof on his home. The metal has holes in it and it’s been a long time since it’s been replaced. He is asking for a loan to buy galvanized metal sheets and nails and lumber so he can do the work. In this way he can be more protected from the inclement weather and the sun.
View original language description ↓
Wilber vive junto a su madre y dos hermanas por quienes trabaja con mucho empeño para salir adelante, él cuenta con trece años de vivir en el mismo lugar, por lo que es muy conocido en la zona y cuenta con buenas referencias personales. Él desea contar con mejores condiciones en su casa de habitación por lo que desea cambiar el techo de su casa, debido a que las láminas que están actualmente están picadas ya que tienen muchos años de no cambiarse. Es por esto que Wilber solicita un préstamo con el cual pueda comprar cuatro docenas de láminas galvanizadas, así mismo clavos y madera para poder realizar el trabajo y de este modo estar más resguardados de las inclemencias del tiempo como la lluvia y el sol.

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
  • 654
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Wilber Eli to repair his roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Aug 31, 2013
Currency Exchange Loss:
Oct 25, 2013