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Santos Isabel
Santos is 44 years old and lives in a house she owns together with her life partner and their two daughters. Santos is an admirable woman since she works very hard to improve life for her family and give them better living conditions. She has worked selling eggs and oil for many years and this is how she contributes to the household.

She wants to build a retaining wall since she wants to secure her humble home and its few belongings. In order to do this, she is requesting a loan from FUSAI to purchase bricks, cement, sand, and iron. Santos says she is able to make her repayments on the loan.
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Santos de 44 años de edad habita en casa propia junto a su compañero de vida y sus dos hijas. Santos es una mujer admirable ya que trabaja muy duro para sacar adelante a su familia y dar mejores condiciones de vida. Ella se dedica a la venta de huevos y aceite desde hace mucho tiempo y es así como colabora con la economía de su hogar. Desea construir un muro de retención ya que desea asegurar su humilde casa y sus pocas pertenencias. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena y hierro. Santos expresa tener la capacidad para cancelar las cuotas que el crédito implica.

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
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

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