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Francisco David
Francisco, 26, lives with his wife and his newborn son. Francisco works for a construction company close to where he lives. With the income he receives, he brings food to his family’s table.

He wants to make some home improvements. With time, the roof of his front porch and of his kitchen has deteriorated, so it needs to be replaced as soon as possible. He is also planning to build a retaining wall in order to make his house safer. This is why he is requesting a loan at FUSAI; he does not have the money to purchase the materials. He will buy galvanized sheets, wood, sand, brick and cement. Francisco will do the work himself, which will save him the cost of the labor.
View original language description ↓

Francisco de 26 años de edad vive en casa propia junto a su esposa y su pequeño hijo recién nacido. Francisco trabaja como empleado de una constructora cerca de su localidad y con los ingresos que percibe lleva el sustento a su casa. Desea mejorar las condiciones de su vivienda ya que con el tiempo el techo del corredor y la cocina se ha deteriorado y es necesario hacer el cambio lo antes posible. También, desea hacer un muro de retención para dar mayor seguridad a su vivienda. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera, arena, ladrillo y cemento; ya que no cuenta con el capital para hacer el desembolso. Francisco será quien realizará los trabajos por lo que se ahorrará la mano de obra.

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
  • 699
    View loans »
    El Salvador Loans Fundraising
  • $27,168,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Francisco David to buy materials to fix the roof in the front porch and the kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 15, 2013
Currency Exchange Loss:
Nov 20, 2014