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Marcos Antonio
Marcos, who is 50, lives with his wife and his two kids, aged 15 and 12. All his life he has worked in agriculture, primarily growing corn and beans. This is how he supports his family. His principal asset is his modest house which he has worked hard to improve over time. He wants to make improvements to his house, including to the floor and the walls. This is why he has decided to request a loan from FUSAI. The loan will be used to buy cement and sand with which to fix his walls, which have become worn out over time and need work, and also to improve his floor which is currently a dirt floor. He wants to provide a safer and more hygienic environment for his children so he hopes to receive this support in order to achieve his desire.
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Marcos de 50 años de edad habita con su esposa y dos hijos de 15 y 12 años de edad. Toda su vida se ha dedicado a la agricultura principalmente a la siembra de maíz y frijol. De esta forma logra llevar el sustento a su hogar. Su principal patrimonio es su humilde casa la cual ha venido mejorando con mucho esfuerzo. Desea mejorar las condiciones de su casa tales como el piso y las paredes. Para esto ha tomado la decisión de solicitar este préstamo a FUSAI para invertir en la compra de cemento y arena para mejorar las paredes que con el tiempo se han gastado y necesitan una mejora, así como el piso que en la actualidad es de tierra. Desea darle condiciones más seguras e higiénicas a sus hijos por lo que espera contar con este apoyo para cumplir su sueño.

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
  • 888
    View loans »
    El Salvador Loans Fundraising
  • $28,305,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Marcos Antonio to buy cement and sand to fix the walls and floor of his house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 14, 2013
Oct 21, 2013
Currency Exchange Loss:
Dec 19, 2013