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Emelina Gladis
Emelina is 52 years old and lives in her own house with her 27 year old daughter, her 26 year old son and her young granddaughter who is 5 years old. Like many Salvadorean women, her main source of income is selling tortillas (food preparation based on corn dough), which she sells from her house. For many years this business has allowed her to support her household and give what is needed to her children, who are now adults and help with the household finances. Emelina has made the decision to request a loan to FUSAI in order to invest it in building a retaining wall and to build the roof of the patio of her house. For this she needs materials such as: galvanized sheet, cement, sand, brick and iron.
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Emelina tiene 52 años de edad y habita en casa propia junto a su hija de 27 años, hijo de de 26 años y su pequeña nieta de 5 años de edad. Como muchas mujeres Salvadoreñas la principal fuente de ingresos de Emelina es la venta de tortillas (preparación alimenticia a base de masa de maíz) las cuales comercializa en su hogar de habitación. Este negocio es el que por muchos años le ha permitido llevar el sustento a su hogar y dar a sus hijos lo necesario quienes ahora son mayores de edad y apoyan con la economía del hogar. Emelina ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la construcción de un muro de retención y para construir el techo del patio de la vivienda para lo cual necesita materiales como: lámina galvanizada, cemento, arena, ladrillo y hierro.

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
  • 845
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Emelina Gladis to buy galvanized sheet, cement, sand, brick and iron to build a retaining wall and the patio roof of the house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 18, 2014
Currency Exchange Loss:
Apr 17, 2015