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Cenia Ivon
Cenia is 35 years old and lives in her own home with her husband, who is a farmer, her 67-year-old father, and her two daughters, who are 18 and 8 years old. The most important thing to her is family and she looks for ways to give them the best. She has been working making and selling clothing since she was 22 years old. Many people give her good references because she offers variety and quality in her clothing items. Her roof has deteriorated over the years and she wants to replace it as soon as possible. She is asking FUSAI for a loan to buy sheet metal, wood beams, and to pay for labor. She hopes to be able to count on this help to repair her roof and make her children more safe.
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Cenia de 35 años de edad habita en casa propia junto a su esposo quien es agricultor y su padre de 67 años y dos hijas de 18 años y 8 años de edad. Para ella lo más importante es su familia y busca las formas de darle lo mejor. Desde hace 22 años se dedica a la confección y venta de ropa. Muchas personas dan buenas referencias de ella ya que ofrece variedad y calidad en sus prendas de vestir. Con el tiempo el techo se ha deteriorado por lo que desea hacer el cambio lo antes posible. Solicita este crédito a FUSAI para invertir en la compra de lámina, polines y pago de mano de obra. Espera poder contar con esta ayuda para reparar el techo y dar mayor seguridad a sus hijos.

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
  • 785
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Cenia Ivon to buy sheet metal, wood beams, and to pay for labor to repair the roof of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Nov 1, 2013
Currency Exchange Loss:
Dec 19, 2013