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Alvaro is 45 years old and lives in his own home with her family which is made up of her wife and their children. For the past 10 years, he has worked selling clothing in the local market. He offers a variety of garments such as: skirts, blouses, dresses, etc. He earns his living this way and brings home the daily sustenance.

His biggest dream is to improve the conditions of his house because the roof is damaged and when it rains, their few belongings get wet.

He is requesting a loan from FUSAI to invest in the purchase of galvanized metal sheets and wood to make the repairs as soon as possible and give his family better housing conditions.
View original language description ↓

Avaro de 45 años de edad habita en casa de su propiedad junto a su grupo familiar conformado por su compañera de vida y sus hijos. Desde hace 10 años se dedica a la venta de ropa en el mercado de su localidad. Ofrece variedad de prendas de vestir tales como: faldas, blusas, vestidos, etc. de esta forma se gana la vida y lleva el sustento diario a su casa. Su deseo es mejorar las condiciones de su vivienda ya que el techo se encuentra dañado y cuando llueve se mojan sus pocas pertenencias. Solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada y madera para hacer la reparación lo antes posible y dar a su familia mejor condición habitacional.

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
  • 716
    View loans »
    El Salvador Loans Fundraising
  • $27,108,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Alvaro purchase sheets of galvanized metal and wood to repair the roof of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 4, 2013
Nov 21, 2013
Currency Exchange Loss:
Feb 20, 2015