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Emilia Estefany
Emilia Estefany is twenty years old. She has lived with her life's companion and her mother in her own home for some time. She is an enterprising, responsible and very humble young woman. She needs to put two wrought iron doors on her home for more security for the household members. She already knows of a workshop that will give her good prices for making the doors. She hopes to be able to do it as soon as possible but she doesn't have enough capital to pay the expenses. That is why she is asking FUSAI for a loan that will allow her to buy the wrought iron doors. Emilia Estefany is very happy with the help and sure she can pay off the debt.
View original language description ↓
Emilia Estefany de veinte años de edad vive junto a su compañero de vida y su madre en casa propia desde hace algún tiempo. Ella es una joven emprendedora, responsable y muy humilde, necesita poner en su vivienda dos puertas de hierro para mayor seguridad de los miembros del hogar, ya conoce un taller donde le darán buenos precios por hacerle las puertas y espera poder realizar lo más pronto posible pero no posee de capital suficiente que pueda costear los gastos por eso le solicita a FUSAI un crédito que le permita comprar las puertas de hierro. Emilia Estefany está muy contenta con la ayuda y asegura que podrá cancelar la deuda.

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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Emilia Estefany to buy and install wrought iron doors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 3, 2013
Sep 6, 2013
Currency Exchange Loss:
Oct 25, 2013