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Ada Luz
33-year-old Ada lives in her own house with her husband and their three daughters, ages 12, 9, and 5, who are currently students. Ada has had a store for a long time. It is how she makes a living and supports her home; together with her husband, she is looking for a way to improve the living conditions for her family. She wishes to build a bedroom, for which she is requesting this FUSAI loan in order to invest in the purchase of brick, cement, sand, and ion. She hopes to be able to obtain said funding so that she may be able to improve their living conditions.
View original language description ↓
Ada de 33 años de edad habita en casa propia junto a su esposa y sus tres hijas de 12 años, 9 años y 5 años de edad quienes a la fecha se encuentran estudiando. Ada se dedica al comercio de tienda desde hace mucho tiempo. De esta forma se gana la vida y lleva el sustento a su hogar quien junto a su esposo buscan la forma de dar mejores condiciones de vida a su familia. Desea construir un cuarto para lo cual solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena y hierro. Espera poder contar con dicho financiamiento y así poder mejorar sus 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
  • 696
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Ada Luz to buy brick, cement, sand, and iron to build a bedroom in her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Jan 3, 2014
Currency Exchange Loss:
Nov 20, 2014