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Verali Del Carmen
Verali is 28 years old and for the past 6 years has worked as a chef in a small canteen in the market of her locality. Verali is a single mother and lives in her own house together with her two children aged 11 and 18 months.

Verali is a hard working woman who wants to give her children better living conditions. For her, her family is the most important thing in her life and this is why she is doing everything she possibly can to provide better living conditions.

She is requesting this loan from FUSAI as she wants to build a room as she need 3,500 bricks to be able to go ahead with the construction as soon as possible.
View original language description ↓
Verali tiene 28 años de edad y desde hace 6 años trabaja como cocinera en un pequeño comedor en el mercado de su localidad. Verali es madre soltera y habita en casa propia junto a sus dos hijos de 11 años y 18 meses de edad. Verali es una mujer trabajadora quien desea dar a sus hijos mejores condiciones de vida. Para ella lo más importante es su familia y por ella hace todo lo que este en sus manos para dar mejores condiciones de vida. Solicita este crédito a FUSAI dado que desea construir un cuarto para lo cual necesita comprar 3,500 adobes para poder proceder 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
  • 570
    View loans »
    El Salvador Loans Fundraising
  • $23,939,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Verali Del Carmen to buy 3,500 bricks in order to build a room.
83% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 7, 2014
Mar 30, 2014
Currency Exchange Loss: