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Lydia Emperatriz
Lydia is sixty-five years old. She lives in her own home together with her life partner, their son, and their grandchildren. Lydia gets ahead in life by making and selling tortillas. These goods are always in high demand in her neighborhood. She lives in very humble conditions and has been improving her home through a lot of effort and determination.

She hopes to construct a perimeter wall. This is why she is requesting a loan from FUSAI. She does not have capital to do this herself.

With the requested amount, she will buy cement wall posts and barbed wire. She hopes to have this support and to thereby begin constructing the wall as soon as possible.
View original language description ↓
Lydia de 65 años de edad habita en casa propia junto a su compañero de vida, su hijo y sus nietos. Lydia se gana la vida mediante la elaboración y venta de tortillas las cuales son muy demandadas por sus vecinos. Ella habita en condiciones muy sencillas y con mucho esfuerzo va mejorando sus condiciones habiatacionales. Desea construir un cerco perimetral para lo cual solicita este crédito a FUSAI dado que no cuenta con el capital para hacerlo por su cuenta. Con el monto solicitado comprará postes de cemento y rollos de alambre de púa. Espera poder contar con este apoyo y así comenzar lo antes posible con la construcción del cerco.

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
  • 730
    View loans »
    El Salvador Loans Fundraising
  • $28,251,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Lydia Emperatriz to buy cement fence posts and barbed wire in order to build a perimeter fence.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Jan 3, 2014
Currency Exchange Loss:
Feb 20, 2015