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Maria Del Carmen
María is 47 years old. She is a single mother who live in her own house with her three minor children. She has been selling elote tamales (a food made with a base made from young corn). With the income from her business, she gets what she needs to support her home and cover her childrens' basic needs. She wants to improve her living conditions, and that is why she has made the decision to ask FUSAI for a loan to invest in installing electricity in her home so her children can grow up in a better way.
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María de 47 años de edad, es madre soltera y habita en casa de su propiedad junto con sus tres hijos menores de edad. Tiene 15 años de dedicarse a la venta de tamales de elote (preparación alimenticia a base de masa de maíz tierno). Con sus ingresos en el negocio saca lo necesario para llevar el sustento a su hogar y para cubrir las necesidades de sus hijos. Desea mejorar sus condiciones por lo que ha tomado la decisión de solicitar este préstamo a FUSAI para invertir en la introducción de luz eléctrica en su vivienda de tal forma que le permita a sus hijos desarrollarse de mejor manera.

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 Maria Del Carmen to invest in installing electricity.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Oct 26, 2013
Currency Exchange Loss:
Dec 19, 2013