Check out some available loans that are similar to this one!
Noemí is 36 years old. She lives in a very small house but one that she owns. She is the single mother of a 14-year-old son who is so far studying in the school in her area. Noemí makes a living by selling food and candies in the central areas of her community.

In order to provide better living conditions for her son, she is asking for this loan from FUSAI to buy sand and cement to plaster the walls of her house. The walls are made from adobe and are deteriorating with water. They also allow insects to nest there. To give greater security to her family, she hopes to do the improvements as soon as possible.
View original language description ↓

Noemí de 36 años de edad habita en casa muy humilde pero propia. Es madre soltera de un hijo de 14 años quien a la fecha se encuentra estudiando en la escuela de su localidad. Noemí se dedica a la venta de comida y golosinas en las principales zonas de su comunidad. Con el fin de brindar mejores condiciones habitacionales a su hijo, solicita este crédito a FUSAI para comprar arena y cemento para repellar las paredes de su casa las cuales son de adobe y con el agua se están deteriorando y además, resultan apropiadas para que los insectos aniden. Para dar mayor seguridad a su familia espera hacer la mejora lo antes posible.

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
  • 743
    View loans »
    El Salvador Loans Fundraising
  • $27,054,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Noemi to buy sand and cement to plaster the walls of her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 16, 2013
Nov 1, 2013
Currency Exchange Loss:
Dec 19, 2013