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Morena De Los Angeles
Morena, 46, lives in her own house with her two children, ages 6 and 14. A few years ago her husband had to go abroad in search of better living conditions because he wasn't able to cover his family's needs in his community.

Morena has earned a living for more than 12 years selling beauty products via catalogue. She also sells beverages and snacks, because her husband's remittances aren't enough to cover the household necessities.

Morena's asking FUSAI for this loan because she she needs bricks, cement, sand, and rebar to build a bathroom.

She trusts that with her business income she'll be able to pay back the debt from the loan.
View original language description ↓
Morena tiene 46 años de edad y habita en casa propia junto a sus dos hijos de 6 y 14 años de edad. Hace algunos años su esposo se vio obligado a viajar al Extranjero en busca de mejores condiciones de vida dado que dentro de su localidad no lograba cubrir las necesidades de su familia. Morena se dedica a la venta de productos de belleza por catalogo desde hace más de 12 años. También mantiene la venta de refrescos y golosinas dado que con lo que percibe en concepto de remesas de su esposo no es suficiente para cubrir las necesidades del hogar. Morena solicita este crédito a FUSAI ya que desea construir un baño para lo cual necesita materiales como: ladrillo, cemento, arena y hierro. Confía que con los ingresos que percibe de su negocio logrará cancelar la deuda que el crédito implica.

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 $600 helped Morena De Los Angeles to buy bricks, cement, sand, and rebar to build a bathroom.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Feb 28, 2014
Mar 16, 2014
Currency Exchange Loss:
Jun 17, 2015