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Johana Marielos
Johana, 20, has lived in the family home for seven years. She’s a hardworking, dedicated, responsible woman. Her goal is to improve her living conditions. Her husband had to move abroad to earn money to move the family forward. With the little she gets from the stipends he sends she’s able to cover food and basic utility (water, electricity) costs.

She’d like to make her humble home safer with a metal mesh and cement post perimeter wall but does not have cash to make this investment which is why she’s asking FUSAI for a loan to buy the needed supplies (metal mesh, cement posts, etc.) She’s sure that with the little help she gets she’ll be able to repay the loan she’s requesting.
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Johana de 20 años de edad habita en casa familiar desde hace siete años. Es una mujer trabajadora, dedicada y responsable. Su objetivo es mejorar sus condiciones de vida, por lo que su esposo se vio obligado a emigrar al extranjero para reunir un poco de dinero y sacar adelante a su familia. Con lo poco que recibe en calidad de remesas logra cubrir los gastos alimenticios y servicios básicos (agua y luz eléctrica), su deseo es asegurar su humilde casa con un muro perimetral de tela metálica y postes de cemento. En la actualidad no cuentan con el efectivo para hacer la inversión, es por esta razón que solicita este crédito a FUSAI para comprar los materiales necesarios (tela metálica, postes de cemento, etc.). Está segura que con la poca ayuda que recibe podrá saldar el crédito que está solicitando.

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

  • $4,900
    Average annual income
  • 695
    View loans »
    El Salvador Loans Fundraising
  • $24,290,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Johana Marielos to buy building supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2013
Listed
Oct 16, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013