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Gladis Haydee
Gladis, 41 years old, has lived in her own home for 12 years. She lives with her life partner and their children. She is very hardworking and responsible. She has been working at a restaurant and at a tortilla stall in the local market where she lives for a long time. She wants to improve the conditions in her home, which is her primary asset. She is therefore requesting a loan from FUSAI, to be invested in buying galvanized sheet metal to repair the roof of her house, which has holes in it and leaks when it rains. She will also buy cement and sand to repair the crumbling floor.
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Gladis de 41 años de edad habita en casa propia desde hace 12 años. Vive junto a su compañero de vida y sus hijos. Es muy trabajadora y responsable; desde hace mucho tiempo trabaja como empleada en un comedor y una tortillería en el mercado central del municipio donde habita. Desea mejorar las condiciones de su vivienda, la cual es su principal patrimonio. Para esto solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada para reparar el techo de la vivienda el cual se encuentra picado y se filtra el agua cuando llueve. También, desea invertir en la compra de cemento y arena para encementar el piso que también está deteriorado.

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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Gladis Haydee to buy galvanized sheet metal, cement, and sand to repair the roof and cement floor in her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2013
Oct 26, 2013
Currency Exchange Loss:
Dec 19, 2013