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Reina Morena
Reina Morena, 43, lives with her 42-year-old life companion, their son and her mother in a house of her own. She’s employed in an eatery but her salary is insufficient to cover expenses so she gets help from her husband who is a nurse and from her son who works in agriculture.

Reina is a woman who is very devoted to what she does. She feels proud to have a very united family which is why she wants to give them the best.

A few weeks ago she decided to install an iron gate with a balcony in her main entrance at home to provide more security to her family members but she does not have sufficient capital to do so which is why she’s asking FUSAI for a loan that will make it possible for her to buy the iron gate and also to pay for its installation. Reina Morena is very happy with the help.
View original language description ↓
Reina Morena de cuarenta y tres años de edad vive junto a su compañero de vida de cuarenta y dos años, su hijo y su madre en casa propia. Ella es empleada de un comedor pero su sueldo no le alcanza para cubrir gastos, por eso recibe la ayuda de su esposo que es enfermero y además su hijo se dedica a la agricultura; Reina es una mujer muy entregada a lo que hace, se siente orgullosa de tener una familia muy unida por eso trata de darles lo mejor, desde hace algunas semanas se decidió a colocar en la puerta principal, una puerta de hierro con balcón porque eso le dará mas seguridad a los miembros de la casa, pero no posee de capital suficiente que respalde los gastos por eso le solicita a FUSAI un crédito que le permita comprar la puerta de hierro y además pagar la instalación. Reina Morena está muy contenta con ayuda.

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
  • 723
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Reina Morena to buy a metal gate and pay for its installation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Sep 14, 2013
Currency Exchange Loss:
Oct 25, 2013