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Yesenia Beatriz
Yesenia is 32 years old. She lives in her own home with her husband and her two daughters who are 10 and 8 years old. For her, the most important thing is her family and it is because of this that she works hard to give them better living conditions. With much effort, she has managed to open in her residence a small beauty parlor, which is her main source of income. Along with her husband, she maintains the economy of her home, and little by little they are coming out ahead.

With the goal of giving better security to her home and her family, she wishes to construct a perimeter wall for which she is requesting this loan from FUSAI, to invest in the purchase of bricks, cement, sand, and iron. In this way, she hopes to give better living conditions to her family.
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Yesenia de 32 años de edad habita en casa propia junto a su esposo y sus dos hijas de 10 y 8 años de edad. Para ella lo más importante es su familia y es por ella que trabaja duramente para darles mejores condiciones de vida. Con mucho esfuerzo ha logrado poner una pequeña sala de belleza en su lugar de residencia la cual es su principal fuente de ingresos. Junto a su esposo mantienen la economía de su hogar y poco a poco van saliendo adelante. Con la finalidad de dar mayor seguridad a su vivienda y a su familia desea construir un muro perimetral para lo cual solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena y hierro de esta forma espera dar a su familia mejores condiciones habitacionales.

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
  • 748
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Yesenia Beatriz to purchase bricks, cement, sand, and iron to construct a perimeter wall.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 13, 2013
Nov 23, 2013
Currency Exchange Loss:
Mar 26, 2015