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Israel is 50 years old and resides in his own home along with his life companion and their seven-year-old son who is in school. He and his wife sustain their household by selling “elotes locos” (corn on the cob dressed with various toppings), corn porridge, tamales, and other dishes.

Israel is a hardworking and enterprising man who does not hesitate to travel every day through the main areas of his town with a basket full of products to sell. He wants to improve the conditions of his home, so he decided to request a loan from FUSAI. Israel will invest in the purchase of beams, wood, galvanized sheets, cement, and sand so that he can repair the roof of his home and lay down a cement floor.
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Israel tiene 50 años de edad y habita en casa propia junto a su compañera de vida y su hijo de 7 años de edad quien se encuentra estudiando. Junto a su esposa mantienen la economía del hogar por medio de la comercialización de elotes locos, atol de elote, tamales, etc. Israel es un hombre trabajador y emprendedora quien no duda de salir todos los días a recorrer las principales zonas de su localidad con un canasto donde lleva los productos para la venta. Israel desea mejorar las condiciones de su vivienda por lo que ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la compra de polines, madera, lámina galvanizada, cemento y arena para reparar el techo de la vivienda y para encementar el piso de la misma.

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
  • 711
    View loans »
    El Salvador Loans Fundraising
  • $27,098,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Israel to buy construction materials for repairing the roof of his house and installing a cement floor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 21, 2014
Currency Exchange Loss:
Apr 17, 2015