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Santiago is 33 years old and resides in his own home along with his life companion and their three children (ages 9, 13, and 18). He has worked as a day laborer for quite some time and his wife takes care of the household duties.

Santiago wants to continue with the construction of his house. He has already purchased half of the materials, so he will buy the remaining supplies with the loan he is requesting from FUSAI. Santiago will invest in the purchase of bricks, cement, sand, gravel, and iron. He hopes to have the support of this loan so that he can start construction as soon as possible.
View original language description ↓
Santiago tiene 33 años d edad y habita en casa propia junto a su compañera de vida y sus tres hijos de 9 años, 13 años y 18 años de edad. Santiago trabaja como jornalero desde hace mucho tiempo y su esposa se dedica a los oficios domésticos del hogar. Santiago desea construir su vivienda para lo cual ya compró la mitad de los materiales y desea comprar el resto por medio de un financiamiento por lo que solicita a FUSIA este crédito para invertir en la compra de ladrillo, cemento, arena, grava y hierro. Espera poder ser apoyado con este financiamiento y así poder dar inicio a la construcción 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

  • $4,900
    Average annual income
  • 643
    View loans »
    El Salvador Loans Fundraising
  • $25,023,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Santiago to buy construction materials for building his house.
91% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 7, 2014
Mar 31, 2014
Currency Exchange Loss: