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Rosa Margarita
At 60 years of age, Rosa works hard to support her husband and pay household expenses. Rosa has sold milk and chickens for five years. Her husband is a farmer and together they are slowing progressing. Rosa wants to invest in their small farm to have greater capacities for sales so she is applying for a loan from FUSAI to invest in buying chickens to increase their inventory and cover a larger market share.
View original language description ↓
Con 60 años de edad Rosa trabaja muy duro para apoyar a su esposo con los gastos del hogar. Rosa se dedica a la venta de leche, pollos y gallinas desde hace 5 años. Su esposo es agricultor y juntos van saliendo adelante poco a poco. Rosa desea invertir en su pequeña granja ya que desea tener una mayor capacidad de venta por lo que solicita este crédito a FUSAI para invertir en la compra de pollos y gallinas para incrementar su inventario de animales y poder cubrir una mayor cuota de mercado.

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 El Salvador

  • $7,500
    Average annual income
  • 748
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Rosa Margarita to increase her flock of chickens.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 3, 2014
Feb 24, 2014
Currency Exchange Loss:
Dec 17, 2014