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Heriberto Antonio
Heriberto Antonio, 40 years old, lives with his wife and their three children in a house that they own. He is employed and works in urban waste management. It is a humble but very honorable job. Heriberto Antonio has been working in this post for many years. He is a responsible and determined man who is always seeking alternative opportunities to help provide his family with a better life.

Heriberto Antonio's house is located in a rural area and he needs to make some improvements to it. He plans to install balconies and windows, as well as change the metal panels on his roof so that water doesn't leak into the house during rainy season, and finish building a bedroom. Heriberto Antonio is very excited about these modifications because he knows that it will make his family safer and more comfortable. However, he does't presently have enough capital to purchase everything he needs to carry out the home improvements. For this reason, he decided to request a loan from FUSAI in order to buy windows, window guards, sheet metal, bricks, cement, and other supplies.

Heriberto Antonio is very happy with this help and he assures lenders that he and his wife will do everything possible to get out of debt in the established time period.
View original language description ↓
Heriberto Antonio de cuarenta años de edad vive junto a su compañera de vida y sus tres hijos en casa propia. Es empleado, se dedica al aseo urbano, es un empleo humilde pero muy honrado, tiene muchos años en su labor. Heriberto es responsable y muy luchador siempre está buscando las mejores alternativas que le permitan darle una mejor vida a su familia; su vivienda está ubicada en una zona rural y necesita hacer algunas mejoras; poner balcones y ventanas, cambiar la lamina del techo para que no se filtre el agua en esta época de lluvia y terminar de construir un cuarto, está muy entusiasmado con las modificaciones, pues sabe que es para mayor comodidad y seguridad de los miembros de su hogar, pero Heriberto no cuenta con capital que lo respalde por eso se decidió a solicitarle a FUSAI un crédito que le permita comprar ventanas, las defensas de ventanas, lamina, ladrillos, cemento, entre otros. Heriberto está muy contento con la ayuda y asegura que junto con su esposa harán lo posible por saldar la deuda en el periodo establecido.

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
  • 718
    View loans »
    El Salvador Loans Fundraising
  • $26,095,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Heriberto Antonio to buy windows, window guards, sheet metal, bricks, and cement.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 5, 2013
Currency Exchange Loss:
Oct 5, 2013