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Rene Dagoberto
Rene, who's 37 years old, lives in a house of his own together with his life partner and their children, aged 2, 7, and 10. For Rene, his children are what's most important since his dream is for them to succeed in their education and have better opportunities in life. For a long time, Rene has been selling pan dulce, and this allows him to support his home. With the goal of improving his housing conditions, he is applying for this loan from FUSAI to buy galvanized sheet metal and wood to replace the roof of his kitchen since it's currently dilapidated. In addition, he wants to build walls for the kitchen since it's open-air and not very secure nor sanitary. For this reason, he will buy cement, brick, and sand.
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Rene de 37 años de edad habita en casa de su propiedad junto a su compañera de vida y sus hijos de 10 años, 7 años y 2 años de edad. Para Rene lo más importante son sus hijos ya que su deseo es que logren estudiar y tener mejores oportunidades de vida. Rene se dedica a la venta de pan dulce desde hace mucho tiempo y de esta forma logra llevar el sustento a su hogar. Con el fin de mejorar sus condiciones habitacionales solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada y madera para cambiar el techo a la cocina ya que en la actualidad se encuentra deteriorado. Además, desea levantar las paredes de la cocina ya que esta al aíre libre y no es muy seguro ni higiénico para lo cual comprará cemento, ladrillo y arena.

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
  • 734
    View loans »
    El Salvador Loans Fundraising
  • $27,061,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Rene Dagoberto to buy galvanized sheet metal, wood, cement, brick, and sand to build a kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 11, 2013
Currency Exchange Loss:
Nov 20, 2014