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Jorge Ardiles
Jorge Ardiles, 28, has lived in his own house for the last three years with his grandmother and his little boy. He works buying and selling cattle in various places in the zone. He’s an enterprising man who is dedicated to his work and to his family. Within the limits of his possibilities, Jorge is always looking for ways of giving them what they need: comfort and security at home.

The roof needs to be repaired because water leaks in every time it rains. He wants to start this project as soon as possible because the leaks are numerous but because of his economic condition he lacks the capital to back him up which is why he’s asked FUSAI for a loan to buy galvanized metal sheets, cement and roofing purlins. Jorge Ardiles is very happy with the help and feels committed to repay the loan.
View original language description ↓
Jorge Ardiles de veintiocho años de edad vive junto a su pequeño hijo y su abuela en casa propia desde hace tres años. El se dedica a la compra y venta de ganado en diferentes lugares de la zona, es un hombre emprendedor, dedicado a su trabajo y a su familia, Jorge siempre ha buscado en la medida de sus posibilidades darles lo que necesitan comodidad y seguridad en su vivienda el techo necesita ser reparado ya que se filtra el agua cada vez que llueve, desea empezar el trabajo lo más pronto posible porque las goteras son muchas; pero debido a su condición económica no posee de capital que lo respalde por eso le solicita a FUSAI un crédito que le permita comprar lamina galvanizada, cemento, polines. Jorge Ardiles está muy contento con la ayuda y se siente comprometido a cancelar la deuda.

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
  • 721
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jorge Ardiles to repair the roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Sep 18, 2013
Currency Exchange Loss:
Nov 17, 2013