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Xiomara Yamileth
Xiomara is 25 years old and lives in her own house, together with her partner and two children, ages 6 and 1. Xiomara works as an employee in a company near her town. This is how, together with her partner, she provides for the household finances.

Xiomara wants to improve the floor of her house, given that it is currently made of dirt, and she wants to provide more hygienic conditions for her children. Because of this, she is asking FUSAI for this loan to invest in the purchase of brick flooring, cement, and sand, and to pay for the labor to do the improvement.
View original language description ↓
Xiomara tiene 25 años de edad y habita en casa propia junto a su compañero de vida y sus dos hijos de 6 años y 1 año de edad. Xiomara trabaja como empleada en una empresa cercana a su localidad y de esta forma es como junto a su compañero de vida mantiene la economía en su hogar. Xiomara desea mejorar el piso de su vivienda dado que actualmente es de tierra y desea dar condiciones más higiénicas a sus hijos. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo de piso, cemento, arena y pago de mano de obra para realizar la mejora.

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
  • 445
    View loans »
    El Salvador Loans Fundraising
  • $22,660,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $500 helped Xiomara Yamileth to buy flooring bricks, cement, and sand, and to pay for the labor to pave the floor of her home.
90% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2014
Apr 15, 2014
Currency Exchange Loss: