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Sonia Del Carmen
Sonia is 28 years old and has been making a living as a domestic servant for three years. This work allows her to support the family economy. Sonia has a very simple home which she built with a lot of effort and continues, little by little, to improve. Sonia has decided to take to a loan from "FUSAI" in order to build a dividing wall in order home and to cement the floor, which is currently just earth. Sonia will use this loan to buy bricks, cement, sand, iron and gravel. She hopes to be granted this loan as she could not carry out this work on her own.
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Sonia tiene 28 años de edad y se dedica a la prestación de servicios domésticos desde hace tres años lo cual es lo que le permite mantener la economía del hogar. Su vivienda es muy sencilla la cual con mucho esfuerzo ha logrado construir y poco a poco va mejorando. Ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la construcción de una pared de división dentro de su vivienda y para encementar el piso de la misma ya que es de tierra. Con el monto solicitado comprará: ladrillo, cemento, arena, hierro y grava. Espera poder contar con este financiamiento dado que no puede 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

  • $4,900
    Average annual income
  • 603
    View loans »
    El Salvador Loans Fundraising
  • $24,919,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Sonia Del Carmen to buy bricks, cement, sand, iron and gravel to build a dividing wall and to cement a floor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 17, 2014
Currency Exchange Loss:
Apr 17, 2015