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Chila Susana
Chila Susana is 33 years old. She lives in her own home with her life partner and their three children, two of whom are girls at 14 and 5 years old, and one a boy who is 7 years old. She makes a living selling tamales and refreshing drinks. Her husband also supports her with home expenses, although it has been difficult to come out ahead. Together, however, they have always been able to motivate their small family.

Chila is a dedicated, responsible, and above all very modest woman. Her home is located in an area outside of the city, in the country, and they do not have sanitary service. She knows that it is a necessity and she wants to construct the bathroom. Furthermore, she wishes to buy tin to roof the entire passageway that surrounds the house. She wants to begin the work as soon as possible, but she does not possess sufficient capital to cover the expenses.

Because of this, she is requesting a loan from FUSAI, which will allow her to buy bricks, cement, sand, tin, and a bath. Chila Susana is very pleased with the help and she has made herself responsible for paying back the loan.
View original language description ↓
Chila Susana de treinta y tres años de edad vive junto a su compañero de vida y sus tres hijos, dos niñas una de 14 y una de 5 años y un niño de 7 años, en casa propia; ella se dedica a la venta de tamales y bebidas refrescantes, su esposo también la apoya con los gastos del hogar aunque les ha sido difícil salir adelante pero unidos siempre han logrado impulsar a su pequeña familia; Chila es una mujer dedicada, responsable pero sobre todo muy humilde, su vivienda está ubicada en una zona fuera de la ciudad, en el campo y no poseen servicio sanitario, sabe que es una necesidad y quiere construir el baño, además desea comprar lamina para techar todo el corredor que esta alrededor de la casa, quiere empezar con el trabajo lo más pronto posible, pero no posee de suficiente capital para cubrir los gastos, por eso le solicita a FUSAI un crédito que le permita comprar ladrillo, cemento, arena, lamina, baño. Chila Susana está muy contenta con la ayuda y se hace responsable de cancelar.

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
  • 645
    View loans »
    El Salvador Loans Fundraising
  • $28,178,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Chila Susana to purchase bricks, cement, sand, and galvanized tin.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013