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Gladis Elena
Gladis, 51, is a single mother of two children, ages 20 and 17. She lives in her own house with her family and her children.

Gladis is a very hardworking and responsible woman. She earns a living making and selling pan dulce [sweet bread] and providing housekeeping services. The most important thing to her is her family, which is why she works hard to get them ahead.

To give her family better living conditions she wants to make some improvements in her house: cement the floor and make a gutter for the rain. This is why she's asking FUSAI for this loan to invest in buying sand, cement, and gravel. She hopes to be able to have this support so she can start the repairs as soon as possible.
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Gladis de 51 años de edad es madre soltera de dos hijos de 20 años y 17 años de edad. Habita en casa propia junto a su grupo familiar y sus hijos. Gladis es una mujer muy trabajadora y responsable. Ella se dedica a la elaboración y venta de pan dulce, demás, también se dedica a la prestación de servicios domésticos. Para ella lo más importante es su familia y es por ella que se esfuerza para sacarlos adelante. Con el fin de dar mejores condiciones habitacionales a su familia desea hacer algunas mejoras en su casa como: encementar el piso y hacer una canaleta para la salida del agua lluvia. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de arena, cemento y grava. Espera poder contar con este apoyo y así poder dar inicio a las reparaciones 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
  • 771
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Gladis Elena to buy sand, cement, and gravel.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 8, 2013
Currency Exchange Loss:
Feb 20, 2015