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Denis Emerson
Denis, 48, lives in his own house with his wife, parents, three aunts, a cousin and his small 10 year old son.

Denis works as an employee at a company located close to his house which is how he supports the household economy.

With a lot of effort he has started working on his house as he wants to improve the living conditions of his family.

Due to lack of economic resources he has not been able to finish the house. He has not been able to finish the roof nor buy doors and windows.

He is requesting a loan to FUSAI to invest in buying building equipment, windows and two doors for the house and in this way he can finish it and move as soon as possible.
View original language description ↓
Denis tiene 48 años de edad y habita en casa propia junto a su esposa, padres, tres tías, un primo y su pequeño hijo de 10 años de dad. Denis trabaja como empleado en una empresa cercana a su localidad y es así como apoya con la economía del hogar. Con mucho esfuerzo ha comenzado hacer su vivienda ya que desea dar mejores condiciones habitacionales a su familia. Por falta de recursos no ha logrado terminar la casa ya que los recursos económicos no le alcanzan para terminar el techo y para comprar puertas y ventanas. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de polines, ventanas y dos puertas para la vivienda y así poder finalizarla y mudarse lo antes posible.

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
  • 713
    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 $300 helped Denis Emerson to buy building equipment, windows and two doors for the house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2014
Apr 19, 2014
Currency Exchange Loss:
May 17, 2015