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Erika Lorena
Erika, 24, lives with her family consisting of her mother, stepfather and two siblings who are 11 and 12 years old. She’s always been interested in working so that her siblings will lack nothing and continue in school so that they may become professionals in future.

She works as a cleaning lady at a Kindergarten three times a week earning a living honorably this way. Erika wants to build a wall that will provide security at home. As can be observed in the photo, she currently has a fence made of old metal sheets and this is why she approached FUSAI to buy bricks, cement, gravel and other building supplies so that she can have this wall. She hopes she’ll get your support. She does all this so that her family will feel safe where they live.
View original language description ↓
Erika de 24 años de edad vive junto a su familia, su madre padrastro y dos hermanos de 11 y 12 años de edad. Siempre le ha interesado trabajar porque a sus hermanos no les haga falta nada y que sigan estudiando para que el día de mañana se preparen y sean profesionales. Ella trabaja en un kínder realizando la limpieza cada 3 veces por semana es así como se gana la vida honradamente. Erika desea construir un muro que le sirva de tapial y le de seguridad a su vivienda, actualmente se aprecia en la fotografía que tiene como cerco laminas viejas, es por eso que se acerco a FUSAI para la compra de ladrillos, cemento, grava y otros materiales de construcción con el fin de tener ese muro espera contar con la ayuda y todo lo hace para que su familia se sienta segura en el lugar donde vive.

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
  • 784
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Erika Lorena to buy building supplies.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Sep 18, 2013
Currency Exchange Loss:
Nov 17, 2013