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Zoila Esperanza
Zoila is 52 years old and lives with her husband in a home that they own. He is a mason, and he helps her with the household expenses. For quite some time now, Zoila has worked as porter for her community’s school.

Together with her husband, Zoila was able to build her own home, which she says is their only asset. Zoila says that the land around her home is currently eroding, and that she needs to build a retaining wall because her home is affected when it rains.

Zoila is requesting this loan from Kiva and the field partner to buy cement, sand, iron bars and gravel to build a retaining wall as soon as possible, in order to secure her home and land.
View original language description ↓

Zoila de 52 años de edad habita en casa de su propiedad junto con su esposo quien es albañil y le ayuda con los gastos del hogar. Ella trabaja como ordenanza en la escuela de su localidad desde hace mucho tiempo. Junto a su esposo ha logrado construir su casa la cual es su principal y único patrimonio. Actualmente el terreno se está lavando y es necesario un muro de contención ya que cuando llueve afecta el domicilio. Solicita este crédito a FUSAI para invertir en la compra de cemento, arena, hierro y grava para hacer lo antes posible el muro de retención y asegurar su terreno y vivienda.

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
  • 886
    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 $700 helped Zoila Esperanza to buy cement, sand, iron bars and gravel to build a retaining wall in order to secure her home and land.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 11, 2013
Currency Exchange Loss:
Dec 19, 2013