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Elsy Francisca
Elsy is 33-years-old and lives in very humble conditions with her family which is made up of her husband and three children who are 13, 9 and 5 years old. Elsy has worked as a domestic cleaner for a long time, allowing her to feed herself and take home money for the family. She wishes to repair the roof of her house because it has worn out over time and is not very safe anymore. For this reason, she is requesting a loan from FUSAI to invest in the purchase of galvanized sheet metal, wood and nails so that she can start the repairs as soon as possible.
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Elsy tiene 33 años de edad y habita en condiciones muy humildes junto a su familia conformada por su esposo y sus tres hijos de 13 años, 9 años y 5 años de edad. Elsy se dedica a la prestación se servicios domésticos desde hace mucho tiempo lo cual le permite ganarse el pan de cada día y llevar el sustento a su hogar. Elsy desea reparar el techo de la vivienda dado que con el tiempo y sol se ha deteriorado y no es muy seguro. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera y clavos y así proceder a la mejorar 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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Elsy Francisca to buy galvanized sheet metal, wood and nails to repair the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 3, 2014
Mar 25, 2014
Currency Exchange Loss:
May 17, 2015