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Maria Ester
Maria is 48 years old and lives in her own house together with her family group. For the past 28 years she has made a living designing clothes in a workshop close to her locality. Maria is an entrepreneurial woman who wants to give her family the best. Maria wants to build a washing sink with a bath and for this reason she is requesting a loan from FUSAI to invest in buying cement, sand, bricks, and grit. She hopes to be able to count on this money as she does not have any financial possibilities of paying for it herself.
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María tiene 48 años de edad y habita en casa propia junto a su grupo familiar y desde hace más de 28 años se dedica al diseño de prendas de vestir en un taller cercano a su localidad. María es una mujer emprendedora quien desea dar lo mejor a su familia. María tiene el deseo de construir una pila con baño para lo cual solicita este crédito a FUSAI para invertir en la compra de cemento, arena, ladrillo y grava. Espera poder contar con este financiamiento dado que no posee la capacidad económica par hacerlo por su cuenta.

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
  • 759
    View loans »
    El Salvador Loans Fundraising
  • $25,574,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $550 helped Maria Ester to buy cement, sand, bricks, and grit to build a sink with a bath.
91% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 6, 2014
Mar 30, 2014
Currency Exchange Loss: