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Jose Rafael
José, who is 47 years old, lives in his own house together with his life companion and their children. For 18 years, he has earned a living through fishing and agriculture. José is characterized as a hard-working and responsible man. He wants to build a wash house with a sink and bathroom to make it easier for his life companion and their daughters to store the water to wash the dirty clothes and household utensils. He is applying to FUSAI for this loan to invest in the purchase of sand, cement, blocks, and gravel, which will allow him to do the construction of the wash house that they need so much.
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José de 47 años de edad habita en casa de su propiedad junto a su compañera de vida y sus hijos. Desde hace 18 años se gana la vida por medio de la pesca y de la agricultura. José se caracteriza por ser un hombre trabajador y responsable. Desea construir una pila con lavadero y baño para facilitar a su compañera de vida y a sus hijas reguardar el agua para lavar la ropa sucia y utensilios del hogar. Solicita este crédito a FUSAI para invertir en la compra de arena, cemento, ladrillo y grava que le permita hacer la construcción de la pila que tanto necesitan.

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
  • 880
    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 $500 helped Jose Rafael to buy sand, cement, blocks, and gravel to build a wash house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Nov 1, 2013
Currency Exchange Loss:
Nov 20, 2014