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Marilina is 49 years old and lives in her own home with her husband, who is a bricklayer, and their young son who is 4 years old and has already started school.

She is a very hardworking woman and has been a domestic worker for many years. She wants to repair her roof, which has deteriorated, as well as a supporting beam which has been damaged by fire. She is seeking this loan through FUSAI in order to purchase wood, beams, bricks, cement and sand so that she can proceed with the necessary repairs.
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Marilina tiene 49 años de edad y habita en casa propia junto a su esposo quien es albañil y junto a su pequeño hijo de 4 años quien ya comenzó con su educación escolar. Ella es una mujer muy trabajadora quien se dedica a la prestación de servicios domésticos desde hace mucho tiempo. Ella desea reparar el techo de la vivienda el cual se encuentra deteriorado y además desea repara una pila que tiene quebrada. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de madera, polines, ladrillo, cemento y arena para poder preceder a los arreglos necesarios.

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
  • 719
    View loans »
    El Salvador Loans Fundraising
  • $27,090,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Marilina to purchase wood, beams, bricks, cement and sand in order to repair her roof and a supporting column.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 16, 2014
Apr 4, 2014
Currency Exchange Loss:
May 4, 2014