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Juana Maribel
Juana Maribe, 28, lives with her nine-year-old daughter and her parents in their own house. She owns a bakery, where she sells bread and earns a living working from early morning every day. Juana is dedicated to her profession, active, and, above all, responsible.

Her modest home, located in a rural area, needs repairs. She wants to build a wall in front of the house; however, given her low income, she lacks money to pay for materials. So she has applied to FUSAI for a loan to buy cement, sand, iron, and bricks. Juana Maribel is pleased with the funding and promises to pay her debt.
View original language description ↓
Juana Maribel de veintiocho años de edad vive junto a su hija de 9 años y sus padres en casa propia. Ella posee una panadería, trabaja todos los días desde muy temprano para vender pan calientito y para ganarse el sustento día a día. Juana es una mujer entregada a su labor, muy activa y sobre todo responsable, su vivienda está ubicada en una zona rural, es una casa humilde que necesita algunas reparaciones, quiere construir un muro de contención al frente de toda la vivienda, pero debido a su baja condición económica no posee de capital para costear los gastos de material por eso le solicita a FUSAI un crédito que le permita comprar, cemento, arena, hierro y ladrillos. Juana Maribel está muy feliz con la ayuda y se compromete 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 El Salvador

  • $7,500
    Average annual income
  • 784
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Juana Maribel to buy cement, sand, iron, and bricks.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Sep 27, 2013
Currency Exchange Loss:
Nov 17, 2013