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Silvia Jeannette
Silvia is 34 years old and lives with her husband and three children, ages 2, 7, and 9, under humble conditions. She and her husband support the household. Their children are most important and the reason they work hard to provide them with better living conditions. Silvia works as a housekeeper and also buys and sells firewood because there are many people in the area who are not able to buy gas stoves. She wants to install electricity to provide her children with better living conditions, so she is asking for a loan, through FUSAI. This will provide her children with better conditions for their development.
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Silvia de 34 años de edad habita en condiciones muy humildes junto a su esposo y tres hijos de 2 años 7 años y 9 años de edad. Junto a su esposo mantienen la economía de su hogar ya que para ellos sus hijos son lo más importante y es por ellos que luchan y se esfuerzan por dar mejores condiciones de vida. Silvia se dedica a la prestación de servicios domésticos y a la compra y venta de leña ya que en su localidad hay muchas personas que no tienen la capacidad para comprar una cocina de gas por lo que cocinan con leña. Desea dar a sus hijos mejores condiciones habitacionales por lo que ha tomado la decisión de instalar la energía eléctrica. Esta es la razón por la cual solicita este crédito a FUSAI para invertir en la instalación del servicio de energía y así poder dar a sus hijos de mejores condiciones de desarrollo.

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
  • 710
    View loans »
    El Salvador Loans Fundraising
  • $27,098,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Silvia Jeannette to install electricity.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 4, 2013
Nov 19, 2013
Currency Exchange Loss:
Dec 19, 2013