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Juan Hernan
Juan is 42 years old and has been living alongside his mother in their privately-owned house for the last ten years. Juan is dedicated to his work and looking after his mother. Juan is always looking to get ahead in life. He works as a baker and makes various kinds of bread. With this work he earns an honest living. Juan wants to build a septic tank as he needs it for hygiene reasons. However, he does not have enough money to carry out this work and so is applying for FUSAI for a loan. He will use the loan to buy building materials such as cement, metal bars, mesh, and plumbing joints. Juan trusts that, soon, he will be able to fulfill his dream of building the tank and, then, he and has mother will be very satisfied with the work they will have done.
View original language description ↓
Juan de 42 años de edad, habita junto a su madre en casa de su propiedad desde hace 10 años, es un hombre entregado al trabajo y a los cuidados de su madre. Siempre la superación esta en la mente de Juan, ya que trabaja como panificador, elabora pan francés, pan de dulce etc. Es así como se gana la vida honradamente, desea construir una fosa séptica ya que por higiene lo necesita pero no tiene el recurso monetario suficiente es por eso que solicita a FUSAI un préstamo para la compra de materiales de construcción como cemento, malla soldada, codo para tubo, varilla etc. Confía en que pronto podrá realizar este sueño y el y su madre se quedaran satisfechos de haberlo logrado.

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
  • 738
    View loans »
    El Salvador Loans Fundraising
  • $26,311,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Juan Hernan to buy building materials such as cement, metal bars, mesh, and plumbing joints.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013