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Maria Elizabeth
María, 41, lives in her own house with her life partner and their two daughters, ages 17 and 12. Family is most important to her, and she does everything she can to improve her family's living conditions. María has been doing housework for others for five years to help her husband pay household expenses.

She wants to finish renovating her house, as it currently doesn't have a hallway, which makes the house uncomfortable when the sun is strong or when it's raining. So she has applied to FUSAI for a loan to buy laminated sheeting, nails, cement, sand, and gravel to build a hallway and pour cement in her house and improve their living conditions.
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María de 41 años de edad habita en casa propia junto a su compañero de vida y sus dos hijas de 17 años de edad y 12 años de edad. Para ella lo más importante es su familia y hace todo lo que este en sus manos para darles mejores condiciones habitacionales. Ella se dedica a la prestación de servicios domésticos desde hace 5 años y es así como junto a su compañero de vida mantienen a economía de su hogar. Desea terminar de mejorar su vivienda ya que no cuenta con un corredor y esto incomoda cuando hace sol y cuando hay lluvias. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, clavos, cemento, arena y grava para construir el corredor de la vivienda y encementarlo, con el fin de contar con 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
  • 644
    View loans »
    El Salvador Loans Fundraising
  • $28,178,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Maria Elizabeth to buy laminated sheeting, nails, cement, sand, and gravel to build a hallway in her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 8, 2013
Currency Exchange Loss:
Feb 20, 2015