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Patricia Carolina
Patricia, 20, lives with her parents in a house that though humble is theirs. She’s a very hardworking, forward-looking young woman who at her young age is noted for being responsible. She always helps her parents since they have a small hammock-making business and she enjoyed learning when still young and at present she’s the one who best manages the business.

Paticia is very hopeful of being able to build her own bedroom and this is why she requested a loan from FUSAI to pay labor costs and to buy building supplies like clay bricks, cement, gravel, iron, etc. She hopes this will happen as soon as possible so she’ll feel happy and satisfied with her dream.
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Patricia de 20 años de edad, vive junto a sus padres en casa humilde pero propia. Es una joven muy trabajadora y visionaria que se ha caracteriza a su corta edad por siempre ser responsable, siempre le ayuda a sus padres ya que tienen un pequeño negocio de hacer y confeccionar hamacas desde pequeña le gustó aprender y hoy en día es la que lleva mejor el negocio. Patricia desea con mucha ilusión la construcción de su propio cuarto de habitación, es por eso que solicitó a FUSAI un préstamo para el pago de la mano de obra y los materiales de construcción como ladrillo de barro, cemento, grava, hierro etc. Espera que sea lo más pronto posible así se sentirá feliz y satisfecha de su sueño.

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
  • 761
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Patricia Carolina to buy building supplies and pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Sep 18, 2013
Currency Exchange Loss:
Nov 17, 2013