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Tomas is 56 years old and lives with his wife, and his children ages 12, 10, and 5. As he is a man admired by his family and friends, he feels proud of himself and his family. He works as a day laborer on a farm near his home. This is how he earns a decent and honest living.

Tomas wishes to replace the roof on the home where he lives, as he has been living in it for 50 years and it belongs to him. With time it is getting to be in poor repair, and that is why he wishes to do a complete repair of his roof.

He has approached FUSAI so that he can purchase construction materials such as sheet metal roofing, and studs. He has good payment references.
View original language description ↓
Tomas de 56 años de edad, vive junto a su esposa y a sus hijos de 12 años, 10 años y 5 años; Siendo un hombre admirad por su familia y amigos se siente orgulloso de si mismo y su familia. El trabaja como jornalero en una finca cerca de su hogar. Es así como honradamente se gana la vida decentemente. Tomas desea cambiar el techo de donde vive ya que tiene 50 años de vivir en su casa que es propia por el tiempo ya se está dañando es por eso que desea reparar todo el techo de su vivienda y se acercó a FUSAI para la compra de materiales de construcción como lamina galvanizada, polines. Cuenta con buenas referencias de pago

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
  • 732
    View loans »
    El Salvador Loans Fundraising
  • $27,061,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Tomas to buy construction materials such as sheet metal roofing for repairing his roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2013
Sep 26, 2013
Currency Exchange Loss:
Oct 25, 2013