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Jose Roberto
Jose is 43 and lives in his own home with his life partner and their son. Jose is charismatic, enterprising and a hard-working man overall. A lot of people give good references about Jose's integrity. He has worked as a bricklayer for a long time, this being the trade he learned from a young age, not having the opportunity to study a professional career. With a lot of humility he came to FUSAI to ask for this credit as his home does not have balconies and windows and one of the rooms needs a door to provide added security for the family. This is the reason for requesting this credit since
he is not able to make the investment through his own means but ensures he has the capacity to make the monthly payments that the credit implies.
View original language description ↓
José tiene 43 años de edad y habita en casa propia junto a su compañera de vida y su hijo. José es un hombre carismático, emprendedor y sobre todo trabajador. Muchas personas dan buenas referencias de la integridad de José. Desde hace mucho tiempo se dedica a la prestación de servicios de albañilería dado que es el oficio que aprendió desde muy joven ya que no tuvo la oportunidad de estudiar una carrera Universitaria. Con mucha humildad se acercó a FUSAI para solicitar este crédito dado que su vivienda carece de balcones y ventanas y uno de los cuartos necesita una puerta para brindar mayor seguridad a la familia. Esta es la razón por la cual solicita este crédito ya que no puede hacer la inversión por sus medios pero asegura tener la capacidad de pago mensual que el crédito implica.

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
  • 644
    View loans »
    El Salvador Loans Fundraising
  • $28,178,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Roberto to buy a door, windows and balconies for his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 17, 2014
Currency Exchange Loss:
Apr 17, 2015