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Milady Del Carmen
Milady is a 37-year old woman who has lived in her current house with her life partner and their two children, aged 3 and 7, for 6 years. She is very cheerful and hard-working and always achieves her goals. She currently works selling second-hand clothes in street markets.

She has been improving her house little by little and is now requesting a loan with FUSAI to build a septic tank with walls made of brick. The existing tank is a dry hole with plastic walls, which is not functional or hygienic. She would like to start the construction work as soon as possible and commits to repay the loan as scheduled.
View original language description ↓
Milady de 37 años de edad, habita su vivienda desde hace seis años junto a su compañero de vida y sus dos pequeños hijos de 3 y 7 años de edad. Es una mujer muy alegre y trabajadora que siempre cumple lo que se propone. Actualmente trabaja vendiendo ropa usada por fardos en los mercados. Poco a poco ha ido mejorando su vivienda y en esta ocasión solicitó a FUSAI un préstamo y construir una fosa séptica con paredes de ladrillo de barro, ya que la fosa actual es de hoyo seco con plástico alrededor que sirve como paredes, lo cual no es funcional y poco higiénico. Desea construir lo más pronto posible y se compromete a cancelar la deuda adquirida.

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
  • 604
    View loans »
    El Salvador Loans Fundraising
  • $28,040,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Milady Del Carmen to buy construction materials to build a septic tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Oct 3, 2013
Currency Exchange Loss:
Nov 17, 2013