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Maria Mirian
María is a 63-year old woman who lives in her own house with her family. She makes a living selling "tamales" (pasties made of corn) and "pupusas" (stuffed tortillas). She is very hardworking and responsible, and is always looking to provide for her family.

She now wants to make improvements to her house and put ceramic floors that will keep the house cleaner. However, given that her income is not enough to cover the expenses that this would entail, she is requesting a loan to buy ceramic, cement and sand, and to cover labor costs.
View original language description ↓
maria de 63 años de edad vive en casa propia con su familia, ella se dedica a la venta de tamales y pupusas es una mujer muy trabajadora y responsable siempre esta en busca de poder sacar adelante a su familia, ahora ella quiere mejorar su vivienda quiere colocar piso cerámico para poder tener mas limpia su casa, pero con lo que gana de sus ventas no le alcanza para poder realizarlo, por esa razon solicita un credito para la compra de cerámica, cemento, arena y pago de mano de obra para poder realizar lo antes mencionado.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

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
  • 697
    View loans »
    El Salvador Loans Fundraising
  • $27,167,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Maria Mirian to buy ceramic, cement and sand, and to cover labor costs.
43% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 7, 2013
Jan 6, 2014
Currency Exchange Loss: