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Dinora, 35, lives with her three children, her brother, and her grandmother in their own house. She makes clay griddles to pay household expenses, and she also receives some money from her husband, who lives abroad. Dinora is determined and dedicated to her work. She likes to take advantage of opportunities.

Her house is in a rural area. FUSAI offered her the first loan, which she used to start building a room to have more space. She now needs to put on a galvanized steel roof, and has applied to FUSAI for a second loan to buy galvanized steel and beams and to pay laborers. Dinora is pleased with the support and promise to pay her loan.
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Dinora de treinta y cinco años de edad vive junto a sus tres hijos menores de edad, su hermano y su abuela en casa propia. Ella se dedica a la elaboración de comales de barro, además para complementar los gastos del hogar recibe una pequeña remesa del esposo que se encuentra en el extranjero. Dinora es una mujer decidida y muy entregada a su labor, le gusta aprovechar las oportunidades que se le presentan, su vivienda está ubicada en una zona rural y FUSAI le proporcionó un primer crédito que con él comenzó un cuarto para tener más espacio, hoy necesita poner el techo con una lamina resistente, y de nuevo solicita a FUSAI un segundo crédito que le permita comprar lamina galvanizada, polines y pago de mano de obra. Dinora está muy contenta con la ayuda y asegura que cancelara ésta nueva 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 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
  • 748
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Dinora to buy galvanized steel and beams and to pay laborers.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Sep 27, 2013
Currency Exchange Loss:
Nov 17, 2013