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Hazel Mariana
Hazel is 30 years old and lives under humble conditions with her husband and two children, ages 5 and 8 who currently attend school. She has been selling typical food (tamales, meat pies, enchiladas, etc.) for a long time and supports the household and earns an honest living this way. She is asking for a loan through FUSAI so she can build a bathroom and repair her kitchen. She will use the money to buy galvanized metal, lumber, nails, etc. She hopes to get this loan and begin building as soon as possible.
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Hazel de 30 años de edad habita en condiciones muy humildes junto a su compañero de vida y sus dos hijos de 5 años y 8 años de edad quienes a la fecha se encuentran estudiando. Ella se dedica a la comercialización de antojitos típicos (tamales, pasteles de carne, enchiladas, etc.) desde hace mucho tiempo. De esta forma lleva el sustento a su hogar y se gana la vida honradamente. Solicita este crédito a FUSAI para invertir en la construcción de un baño sanitario y para reparar el cuarto de la cocina. Con el monto solicitado comprará: lámina galvanizada, madera, clavos, etc. Espera poder contar con este financiamiento y así comenzar la construcción del baño 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
  • 657
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Hazel Mariana to make home improvements.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 21, 2013
Currency Exchange Loss:
Jan 17, 2015