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Estebana, 64, has a business selling vegetables such as: cassava, squash, yucca flowers, etc. She's been making her sales in the central market in her town for many years. Estebana lives in her own home with her three children who are her main motivation, inspiring her to continue to strive to improve their living conditions. She wants to repair the roof and floor of her home, as they have deteriorated. To do this, she has requested a loan from FUSAI to invest in beams, wood, cement, sand, and gravel, because she wants to proceed with this home improvement work as soon as possible.
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Con 64 años de edad Estebana se dedica a la comercialización de verduras como: yuca, ayotes, flor de izote, etc. La venta la realiza en el mercado central de su localidad desde hace muchos años. Estebana habita en casa propia junto a sus tres hijos los cuales son su principal fuente de inspiración para seguir luchando para mejorar sus condiciones de vida. Estebana desea desea reparar el techo y el piso de su vivienda dado que se encuentra deteriorado. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de polines, madera, cemento, arena y grava dado que desea proceder lo antes posible en la mejora de su vivienda.

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
  • 719
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Estebana to buy beams, wood, cement, sand and gravel to repair the roof and floor of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 17, 2014
Currency Exchange Loss:
Apr 17, 2015