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Margarita Del Carmen
Margarita, 22, lives with her husband and parents in a house that’s humble but her own. She has always been focused on being a good daughter and a good wife. She earns a living caring for a little girl; she’s very responsible and hardworking. Her parents and husband help her pay for her house and she’s gradually been making improvements to it.

This is why she’s decided to ask FUSAI for a loan because she does not have enough money and she wants to pave the floor in her house and to do so she’d like to buy cement and sand, among others. The floor is currently quite damaged and it is making living in that space difficult. This is why she hopes to solve this housing problem soon.
View original language description ↓
Margarita de 22 años de edad vive junto a su esposo y sus padres en casa humilde pero propia. Siempre se ha dedicado ha ser una buena hija y hoy una buena esposa. Se gana la vida cuidando una niña es muy responsable y trabajadora. Sus padres y esposo le ayudan con el pago de su hogar y poco a poco han ido mejorando su casa es por eso que ha tomando la decisión de adquirir un préstamo a FUSAI ya que no tiene el dinero suficiente y desea pavimentar el piso de su vivienda y para ello quisiera comprar cemento, arena, entre otros. Actualmente el piso está muy deteriorado y les está siendo difícil convivir es dicho espacio. Por lo que espera pronto solventar este problema de su vivienda.

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
  • 728
    View loans »
    El Salvador Loans Fundraising
  • $26,039,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Margarita Del Carmen to pave her floor and to buy cement, sand, etc.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Sep 20, 2013
Currency Exchange Loss:
Oct 25, 2013