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Elmer Arnoldo
Elmer Arnoldo, 30, has been living together with his life partner and daughter in a house of their own for two years. He is a security guard and his partner works as a secretary; both work hard to get ahead. Elmer Arnoldo is a responsible family man and is always fighting to give his family a better life.

Their house needs some repairs. He wants to plaster two rooms and change the roof's metal sheets, since they are old and leak. He hopes to fix this as soon as possible so that they can live more comfortably.

He decided to request a loan at FUSAI to buy materials such as cement, galvanized metal sheets and sand, since he does not have the money to buy them on his own. Elmer Arnoldo appreciates the help he is receiving. He and his wife promise to pay back the loan.
View original language description ↓
Elmer Arnoldo de treinta años de edad vive junto a su compañera de vida y su hija en casa propia desde hace dos años. Él es agente de seguridad y su compañera trabaja de secretaria, los dos trabajan duro para salir adelante; él es un hombre responsable y de familia, siempre está luchando por darles una vida mejor, su vivienda necesita algunas reparaciones dos de las habitaciones desea repellarlas con cemento y además quiere cambiar las laminas del techo pues están muy viejas y se filtra el agua, espera realizar los arreglos lo más rápido posible pues eso les dará mas comodidad. Esta decidido en solicitarle a FUSAI un crédito que le permita comprar los materiales cemento, lamina galvanizada, arena, etc. Pues no posee de solvencia económica para costear los gastos. Elmer Arnoldo agradece la ayuda y se compromete junto con su esposa a pagar 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
  • 758
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Elmer Arnoldo to buy cement, metal sheets and sand to plaster the walls and repair the roof.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 3, 2013
Sep 11, 2013
Currency Exchange Loss:
Oct 11, 2013