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Maria De Jesus
María is 35 years old. She is a single mother who lives in her own home with her two daughters, 3 and 16 years old and her 14 year old son. María works as a sewing machine operator in a factory close to where she lives and this is how she supports her children. With the goal of improving their living conditions María is requesting a loan from FUSAI to invest in the installation of electricity and to buy three windows for her house. She hopes to count on this support as she does not have the capital to undertake this by herself.
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María tiene 35 años de edad, es madre oltera y habita en casa propia junto a sus dos hijas de 3 años y 16 años de edad y su hijo de 14 años de edad. María trabaja como operaría de costura en una fabrica cercana a su localidad y es así como logra sacar adelante a sus hijos. Con el fin de mejorar sus condiciones habitacionales solicita este crédito a FUSAI para invertir en la instalación de la energía eléctrica y para comprar tres ventanas para su vivienda. Espera poder contar con este apoyo dado que no posee el capital para 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

  • $7,500
    Average annual income
  • 715
    View loans »
    El Salvador Loans Fundraising
  • $27,098,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Maria De Jesus to install electricity and buy 3 windows for her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2014
Apr 18, 2014
Currency Exchange Loss:
Aug 23, 2014