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This borrower lives in his own house next to his life partner and his daughter. He makes a living making hammocks; this is where his principal income has been coming from for 10 years. Additionally, he carries out bricklaying work and has very good references in the area and from his neighbors. Furthermore, he has very good qualities like responsibility, friendliness and honesty. He has an established clientele that uses his services like bricklaying. In this way he has achieved affording many of his family expenses.

The borrower is asking for a loan to carry out improvements in his home like roof repair, infrastructure improvement, etc. He needs the capital to buy all of the necessary materials like iron, cement, sand, bricks, etc to be able to offer his family a decent home where they can live peacefully.
View original language description ↓
El cliente vive en casa propia junto a su compañera de vida y su hija, él se dedica a la elaboración de hamacas de donde proviene su principal fuente de ingresos desde hace 10 años, y además se dedica a realizar trabajos de albañilería, posee muy buenas referencias del sector y de sus vecinos, además posee muy buenas cualidades como responsabilidad, amabilidad y honestidad, posee una clientela establecida que demanda sus servicios como albañil, de esta manera ha logrado solventar muchos de sus gastos familiares, el cliente solicita un crédito para realizar mejoras en su vivienda como reparación de techo, mejora de infraestructura, etc. pero necesita de capital para comprar todos los materiales necesarios como; hierro, cemento, arena, ladrillos, etc. para poder ofrecerse a su familia un hogar digno donde vivir tranquilamente.

Additional Information

More information about this loan

This loan is part of a pilot project Apoyo Integral is launching in conjunction with several local NGOs to support at-risk youth and their families with funding from Kiva. This loan product is tailored to young people who find themselves in high-risk situations because they are located in areas affected by extreme violence. Loans are combined with vocational, technical, and financial training to help these young people develop business ideas that will help them generate income, reintegrate into society, and support their dreams of being productive and contributing members of society.   

Due to potential safety risks facing these youth, some of the loans are being disbursed to their parents in order to protect their identities. For the same reason, the faces of some Apoyo Integral borrowers may be blurred in photos. Apoyo Integral appreciates Kiva lenders' understanding of these challenges and encourages them to provide much-needed support to at-risk Salvadoran youth.

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

  • $4,900
    Average annual income
  • 429
    View loans »
    El Salvador Loans Fundraising
  • $22,831,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped this borrower to buy iron, cement, sand, bricks, etc.
62% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 24, 2013
Sep 9, 2013
Currency Exchange Loss: