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Mercedes is a hardworking woman, very dedicated to her home. She works selling yucca and plantain tostadas, as well as horchata (a refreshing drink). Mercedes is a single woman, and doesn't have children. She is asking for a loan to be able to buy bricks, steel, sand, and cement. This is to be able to build a wall around her property, due to the fact that currently she doesn’t have one, and there is only wire between her house and those to the side. With this loan, she will be able to have a house that is more sheltered from the surroundings where she can enjoy more privacy at home.
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Mercedes es una señora muy trabajadora y dedicada a su casa, ella se dedica a vender tostadas de yuca y plátano y así mismo fresco de horchata. Mercedes es soltera y no tiene hijos. Ella solicita un préstamo por medio del cual pueda comprar ladrillo, acero, arena y cemento para poder construir un muro perimetral, debido a que actualmente no tiene uno y la división entre su casa y las de los costado es de alambre. Con esto ella podrá contar con una casa más resguardada de su entorno en donde goce de mayor privacidad en su hogar.

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
  • 682
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Mercedes to buy bricks, steel, sand, and cement to build a wall.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 3, 2013
Sep 9, 2013
Currency Exchange Loss:
Nov 17, 2013