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Ana Gloria
Ana is 64 years old She lives with her family which consists of her life-partner and four children, two of whom are studying. She and her partner work hard in order to support their home. She is a hardworking woman, responsible and enterprising, She wants to give her children better conditions.

Her main asset is her humble home that through hard work she and her partner have been improving. With the idea of improving the security and home hygiene she has made the decision of asking for a loan through FUSAI in order to invest in the purchase of galvanized sheets, nails and wood in order to replace the roof which is damaged as well as to buy cement and sand in order to put in a concrete floor.

She is hoping for this support so that she can make the necessary improvements.
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Ana de 64 años de edad vive junto a su grupo familiar el cual está constituido por su compañero de vida y sus cuatro hijos dos de los cuales se encuentran estudiando. Ella y su compañero de vida trabajan duramente para llevar el sustento a su hogar. Es una mujer trabajadora, responsable y emprendedora. Su deseo es dar mejores condiciones a sus hijos. Su principal patrimonio es su humilde casa que con muchos esfuerzos van mejorando junto con su compañero de vida. Con el fin de dar mayor seguridad e higiene a su casa ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la compra de lámina galvanizada, clavos y madera para cambiar el techo ya que se encuentra deteriorado y además comprar cemento y arena para encementar el piso. Espera poder contar con este apoyo y así hacer las mejoras necesarias.

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
  • 759
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ana Gloria to buy galvanized sheets, nails, and wood in order to replace the roof and put in a concrete floor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 11, 2013
Listed
Oct 19, 2013
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013