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Bertha Eligia
Bertha is 62 years old and lives in her own home with her husband who is a day laborer, and their two children. Bertha works selling a variety of fresh fruits such as: jocotes, bananas, pineapples, etc. This is how she earns a living and provides for their home. Bertha hopes to improve her housing conditions as their home is small and the structure is in poor condition.

For this reason, she is requesting a loan from FUSAI to invest in the construction of her home made of galvanized sheet metal and wood. She hopes to be able to secure this funding as she hopes to improve her family's living conditions.
View original language description ↓
Bertha tiene 62 años de edad y habita en casa propia junto a su compañero de vida quien es jornalero y sus dos hijos. Bertha se dedica a la venta de variedad de fruta fresca como: jocotes, guineos, piñas, etc. Es así como se gana la vida y lleva el sustento a su hogar. Bertha desea mejorar sus condiciones habitacionales dado que su casa es pequeña y las bases se encuentran en mal estado. Por lo anterior solicita este crédito a FUSAI para invertir en la construcción de su casa a base de lámina galvanizada y madera. Espera poder contar con este financiamiento dado que de esta forma espera dar mejores condiciones de vida a su familia.

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
  • 675
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Bertha Eligia purchase galvanized sheet metal and wood to build a small house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 11, 2014
Currency Exchange Loss:
May 17, 2015