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Maria De La Paz
María is 26 years old and lives in her father's house with her life partner and two children, aged nine and six years old. For two years, María has been working in a bakery and earns a monthly income which helps her to support the household economy. María wants to improve her living conditions and so wants to build a bedroom on her father's land. He has given María a space to build this room. María has applied for a loan from FUSAI in order to buy bricks, cement, sand, and gravel in order to start construction work and to move her children into the room as soon as possible .
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María de 26 años de edad habita en casa de su padre junto a su compañero de vida y sus dos hijos de 9 y 6 años de edad. Desde hace dos años trabaja en una panadería por lo cual percibe un ingresos mensual que le sirve para ayudar a sostener la economía de su hogar. Su deseo es mejorar sus condiciones habitacionales por lo que quiere construir un cuarto dentro del terreno de su padre quien le ha proporcionado el espacio para la construcción. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena y grava para comenzar lo antes posible la construcción y poder mudarse junto 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
  • 715
    View loans »
    El Salvador Loans Fundraising
  • $26,086,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Maria De La Paz to buy bricks, cement, sand, and gravel, in order to build and bedroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 4, 2013
Nov 15, 2013
Currency Exchange Loss:
Dec 19, 2013