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Ana Silvia
Ana is 34 years old and lives in a house she owns together with the husband and children. She has worked selling clothing for two years. She has many customers since many people prefer her because of her charisma and kindness.

Ana is always looking for ways to give her children better living conditions, so she is requesting this loan from FUSAI to invest in the purchase of cement, sand, and gravel to cement the floor in the hallway of her home, since it is currently made of dirt. She hopes this will give her children healthier living conditions.
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Ana de 34 años de edad, habita en casa de su propiedad junto con su esposo e hijos. Ella se dedica a la venta de ropa desde hace dos años. Posee muchos clientes ya que por su carisma y amabilidad muchas personas la prefieren. Ana siempre está buscando las formas de dar a sus hijos mejores condiciones habitacionales por lo que solicita este crédito a FUSAI para invertir en la compra de cemento, arena y grava para encementar el piso del corredor de su casa ya que en la actualidad es de tierra. De esta forma desea dar condiciones más higiénicas 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
  • 721
    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 Ana Silvia to purchase cement, sand, and gravel to cement the floor in the hallway of her home.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 16, 2013
Nov 3, 2013
Currency Exchange Loss:
Feb 20, 2015