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Ercilia is 44 years old. She lives in her own house with her life companion and her 12 year old daughter. For Ericilia her family is her motivation and this is why she works hard every day to support them. For the past 12 years she has been selling clothing in the various areas of her community. With her revenues she has managed to pay a good part of the household expenses.

Her house is in poor condition as the roof has deteriorated and needs to be replaced as soon as possible. Ericilia has requested a loan from FUSAI to invest in buying galvanized sheeting, wood and nails to repair the roof as quickly as can be done.
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Ercilia de 44 años de edad habita en casa propia junto a su compañero de vida y su pequeña hija de 12 años de edad. Para Ercilia su familia es su principal motivación y es por ella que trabaja duramente para llevar el sustento diario. Desde hace 12 años se dedica a la venta de ropa en las principales zonas de su localidad. Con los ingresos que percibe logra mantener buena parte de los gastos del hogar. Su vivienda se encuentra en malas condiciones puesto que el techo se ha deteriorado y necesita cambio lo antes posible. Ha solicitado a FUSAI un crédito para invertir en la compra de lámina galvanizada, madera y clavos para reparar el techo lo antes posible.

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
  • 743
    View loans »
    El Salvador Loans Fundraising
  • $27,059,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ercilia to buy galvanized sheeting, wood and nails to repair the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 22, 2013
Currency Exchange Loss:
Feb 20, 2015