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Julio Enrique
Julio, age 43, lives together with his spouse, 17 year-old daughter, and 14 year-old son. He has worked hard all his life to get ahead and take care of the finances of his home. He works as a builder and, at this point, has many clients due to being an honest and responsible man dedicated to what he does.

With the goal of improving the living conditions of his family, he is asking for a loan from FUSAI to invest in the repair of his house’s roof. It has deteriorated, and when it rains, water comes in and gets his few belongings wet. With the loan, he will buy galvanized sheets of metal, wood, and nails.
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Julio de 43 años de edad habita junto a su esposa y su hija de 17 años de edad y un hijo de 14 años de edad. Toda su vida ha trabajado muy duro para salir adelante y llevar la economía a su hogar. Trabaja como albañil y a la fecha ya cuenta con muchos clientes ya que se caracteriza por ser un hombre honesto, responsable y dedicado en lo que hace. Con el fin de mejorar las condiciones habitacionales de su familia, solicita este crédito a FUSAI para invertir en la reparación del techo de la casa ya que se encuentra deteriorado y cuando llueve el agua se filtra y moja sus pocas pertenencias. Con el crédito comprará lámina galvanizada, madera y clavos.

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
  • 813
    View loans »
    El Salvador Loans Fundraising
  • $25,673,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Julio Enrique to buy galvanized sheets of metal, wood, and nails to repair the roof of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Nov 3, 2013
Currency Exchange Loss:
Dec 19, 2013