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Glendy Del Carmen
Glendy is 34 years old and is a single mother with two children aged 14 and 7 years. She lives in a house which she owns. For 7 years she has had a shop in her home where she sells daily staples such as sugar, salt, beans, rice, sweets etc. This is her main source of income and is how she supports her family.

Glendy wants to improve the condition of her home since the windows have deteriorated over time and are not very secure. She also wants to repair the gutters and downpipes since when it rains her few possessions get wet.

She is asking for this loan from FUSAI to buy windows and to pay for fabrication and installation of gutters made from galvanised sheets and downpipes to channel the rainwater, so she can give her family more security.
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Glendy de 34 años de edad es madre soltera de 2 hijos de 14 y 7 años de edad y habita en casa de su propiedad. Desde hace 7 años posee una tienda en su lugar de residencia en la cual vende variedad de productos de primera necesidad como: azúcar, sal, frijoles, arroz, golosinas, etc. Este es su principal fuente de ingresos y es como mantiene a su familia. Desea mejorar las condiciones de su casa ya que con el tiempo las ventanas de su casa se han deteriorado y no son muy seguras. Además desea reparar los canales y salidas de agua ya que cuando llueve se mojan sus pocas pertenencias. Solicita este crédito a FUSAI para invertir en la compra de ventanas, hechura y colocación de canales con lámina galvanizada y bajadas para la canalización de las aguas lluvias y así dar mayor seguridad a su familia.

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
  • 836
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Glendy Del Carmen to buy windows and pay for fabrication and installation of gutters made from galvanised sheets and downpipes to channel the rainwater.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 4, 2013
Nov 15, 2013
Currency Exchange Loss:
Jun 17, 2015