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Maria Ester
María is 34 years old and lives in her own house with her life partner and their two children ages 16 and 7. María has a small shop where she sells a variety of basic necessity products. As well, she sells cakes which are in high demand by her clients.

María has made the decision of requesting a loan from FUSAI to invest in the construction of a small room for her 16-year-old son and she needs materials such as wood, nails, cement, sand and gravel. She hopes to have this financing and proceed with the construction of the room to provide her sons with better comfort.
View original language description ↓
María tiene 34 años de edad y habita en casa propia junto a su compañero de vida y sus dos hijos de 16 años y 7 años de edad. María tiene una pequeña tienda en donde vende variedad de productos de primera necesidad. Además, también se dedica a la venta de tortas las cuales son muy demandadas por sus clientes. María ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la construcción de un pequeño cuarto para su hijo de 16 años para lo cual necesita material como: madera, clavos, cemento, arena y grava. Espera poder contar con este financiamiento y así poder proceder a la construcción del cuarto para dar mayor comodidad a sus hijos.

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
  • 734
    View loans »
    El Salvador Loans Fundraising
  • $27,054,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Maria Ester to purchase wood, nails, cement, sand and gravel to build a bedroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 24, 2014
Apr 16, 2014
Currency Exchange Loss:
Apr 17, 2015