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Rafael Armando
Rafael is 25 years old, and has been working as a dental assistant for three years. He lives with his wife and 2 month old son in very modest living conditions. His family is the most important thing to him, and he does everything he can to improve their quality of life.

Rafael wants to improve the roof of his home. It is currently deteriorated and when it rains, water gets through and damages their few belongings. He is requesting this loan from FUSAI to buy sheet metal and roofing supports to repair the roof as soon as possible.
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Rafael tiene 25 años de edad y trabaja como asistente dental desde hace tres años. Habita en condiciones muy humildes junto a su esposa y su pequeño hijo de dos meses. Para él lo más importante es su familia y por ella hace todo lo que este en sus manos para darles mejores condiciones de vida. Desea mejorar la cubierta del techo de su vivienda ya que actualmente se encuentra deteriorado y cuando llueve el agua se filtra dañando sus pocas pertenencias. Solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada y polines para reparar el techo lo antes posible.

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
  • 747
    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 Rafael Armando to buy sheet metal and roofing supports to repair the roof of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 8, 2013
Currency Exchange Loss:
Feb 20, 2015