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Sofía is 61 years old. She lives in a house that she owns with her grandchildren, aged 16 and 14. Sofía has been working as a housekeeper for a long time. She would like to make some home improvements and this is why she is requesting a loan at FUSAI.

She will buy bricks, sand, cement and iron bars to repair the walls of her house, which are made of bajareque [wattle and daub] and are in bad conditions. She hopes to receive this loan in order to start working as soon as possible.
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Sofia de 61 años de edad habita en casa propia junto a sus nietos de 16 años y 14 años de edad. Sofía se dedica a la prestación de servicios domésticos desde hace mucho tiempo. Su deseo es mejorar las condiciones de su vivienda por lo que solicita esta crédito a FUSAI para invertir en la compra de ladrillo, arena, cemento y hierro para reparar las paredes de la vivienda las cuales son de bajareque y se encuentran dañadas. Espera poder contar con este financiamiento y así proceder a las mejoras 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
  • 784
    View loans »
    El Salvador Loans Fundraising
  • $25,635,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $700 helped Sofia to buy bricks, sand, cement and iron bars to change the walls of her house.
92% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 19, 2013
Feb 24, 2014
Currency Exchange Loss: