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Berta Alicia
Berta, 56 years old, lives in her own home with her 79-year-old mother and her three grandchildren. She has been working as a massage therapist in her community for 25 years. Many people prefer her services because they are very satisfied with the massages she gives. A few months ago she erected the walls for a bedroom in her home, and now she wants to install a roof and floor so it will be habitable. She is requesting this loan from FUSAI so she can buy galvanized sheet metal, cement, sand, and gravel and pay for the labor needed to finish the bedroom.
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Berta de 56 años de edad habita en casa propia junto a su grupo familiar el cual está conformado por su madre de 79 años de edad y sus tres nietos. Tiene 25 años de trabajar como masajista dentro de su comunidad. Muchas personas la prefieren ya que están muy satisfechos con el servicio de masajes que presta. Hace unos meses terminó de construir las paredes de un cuarto el cual ahora desea ponerle el techo y el piso para poder habitarlo. Solicita este préstamo a FUSAI para invertir en la compra de lámina galvanizada, cemento, arena, grava y pagar la mano de obra necesaria que le permitan terminar el cuarto de su casa.

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
  • 723
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Berta Alicia to buy galvanized sheet metal, cement, sand, and gravel and pay for the labor needed to finish building a bedroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 15, 2013
Oct 26, 2013
Currency Exchange Loss:
Dec 19, 2013