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Ana Gricelda
Ana is 44 years old and lives in her own home with her partner and their three children, who are 13, 11, and 10 years old. Ana works making and selling beautiful hammocks. Along with her partner, who is a farmer, she supports her household and provides her children with what they need.

She currently does not have access to potable water at home. This creates difficulties because the family, including the children, has to go out to the communal water source and then carry water back home, starting in the very early morning. Ana wishes to change this situation, and it is for this reason that she is requesting this loan from FUSAI. She will invest in a connection to a water supply and in the construction of a concrete water basin. She needs to purchase bricks, cement and sand for this purpose.
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Ana de 44 años de edad, reside en casa propia junto a su compañero de vida y sus tres hijos de 13 años, 11 años y 10 años de edad. Ana se dedica a la elaboración y venta de hermosas hamacas. Junto a su compañero de vida quien es agricultor mantiene la economía de su hogar y dan a sus hijos lo necesario. En la actualidad no cuenta con el servicio de agua potable y esto le dificulta ya que tienen que salir de su casa a la cantarera comunal para acarrear el agua a su casa desde muy temprano incluyendo en esta actividad sus hijos . Con el deseo de cambiar esta situación solicita este crédito a FUSAI para invertir en la conexión del vital líquido y para la construcción de una pila para la cual necesita comprar ladrillo, cemento y arena.

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
  • 737
    View loans »
    El Salvador Loans Fundraising
  • $27,041,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ana Gricelda to buy bricks, cement and sand to build a water basin and get potable water.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 22, 2013
Currency Exchange Loss:
Feb 20, 2015