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María Milagro
Maria is very responsible and takes care of her home, she lives with her husband and together they really wish to have a house in excellent conditions. Maria requests a loan to be able to have the necessary amount to buy galvanized metal sheets and this way be able to repair the current roof, as it needs to be changed because the current one is damaged and sun and rain get through her home, she also wants to fix the water drainage between the wall and the existing metal.
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María es una señora muy responsable y cuidados de su hogar, ella vive junto a su esposo con quien desean mucho contar con una casa en excelentes condiciones. María solicita un préstamo por medio del cual pueda contar con el monto necesario para comprar láminas galvanizadas y así poder reparar el techo actual debido a que necesita ser cambiado ya que el actual esta picado y el sol y la lluvia penetran a la casa, además de reparar una filtración de agua que tiene entre la pared y la lamina existente.

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 El Salvador

  • $7,500
    Average annual income
  • 845
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped María Milagro to buy galvanized metal sheets to repair a water leak in the roof.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Sep 24, 2013
Currency Exchange Loss:
Oct 25, 2013