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Estela Del Carmen
Estela is 26 years old and lives in her own house with her husband and young son, who is 6 years old. Estela is an enterprising woman who does everything that she can to give her family a better life than she has had. For some time, Estela has made a living selling clothes as a street vendor in various parts of town. With her husband, Estela is able to contribute to the household finances and provide her children with better living conditions. In order to finish building her house, which she started some months ago, Estela is applying for a loan from FUSAI to buy door and windows, which she could not afford. She wants to finish the house as soon as possible so that the family can move into it.
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Estela de 26 años de edad habita en casa de su propiedad junto a su esposo y su pequeño hijo de 6 años de edad. Ella es una mujer emprendedora quien hace todo lo que este a su alcense para dar a su familia mejores condiciones a las que ella ha tenido. Desde hace mucho tiempo estela se dedica a la venta de ropa de manera ambulante en las diferentes zonas de su localidad. Junto a su esposo llevan la economía de su hogar y dan a sus hijos mejores condiciones de vida. Con el fin de terminar su casa la cual comenzó hace algunos meses solicita este crédito a FUSAI para invertir en la compra de puertas y ventanas ya que no alcanzó a comprarlas y desea terminarla lo antes posible para poder mudarse.

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
  • 658
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Estela Del Carmen to buy doors and windows and to make her home more secure.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 23, 2013
Currency Exchange Loss:
Mar 26, 2015