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Maria Del Rosario
María is 42 years old and is a single mother. She lives in her own home with her parents and her little daughter who is 11. For two years now she has worked making and selling bread from her home, and this is how she provides for her family. María lives in very humble conditions which are slowly getting better. She wants to construct a kitchen as she does not have an adequate space to prepare food and protect her few belongings.

She is asking for this loan from FUSAI to invest in galvanized sheet metal, wood and nails to start off construction as soon as possible on the kitchen she needs so much.
View original language description ↓

María de 42 años de edad es madre soltera y reside en casa propia junto a sus padres y su pequeña hija de 11 años de edad. Desde hace dos años se dedica a la elaboración y venta de pan, dicho negocio lo tiene en su hogar de habitación y es el que le permite llevar el sustento a su hogar. María habita en condiciones muy humildes las cuales poco a poco va mejorando. Desea construir la cocina ya que no cuenta con un lugar adecuado para preparar los alimentos y proteger sus pocas pertenencias. Solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera y clavos para dar inicio lo antes posible a la construcción de la cocina que tanta falta le hace.

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
  • 757
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Maria Del Rosario to buy galvanized sheet metal, wood and nails to construct a kitchen.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 26, 2013
Currency Exchange Loss:
Dec 20, 2013