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Rina Elizabeth
Rina is 35 years old and lives in her own house along with her husband. She earns a living through selling different medicines such as vitamins, pain pills etc. She has performed her sales on foot for approximately fifteen years and thus, along with her husband, supports her household. Rina is requesting this loan from FUSAI to invest in the construction of a hallway made of laminate sheets and cement pillars. Additionally, she wishes to build a room to close up the bath and sink vanity. With the requested loan, she will buy cement, sand, brick, laminate and iron. In this way, she hopes to be able to improve her living conditions and that of her family.
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Rina tiene 35 años de edad y habita en casa propia junto a su esposo. Ella se gana la vida mediante la venta de diferentes medicamentos como: vitaminas, pastillas para el dolor, etc. La venta la realiza de forma ambulante desde hace 15 años aproximadamente y es así como junto a su esposo mantienen la economía del hogar. Rina solicita este crédito a FUSAI para invertir en la construcción de un corredor a base de lámina y postes de cemento. Además, desea construir un cuarto para cerrar el baño y la pila. Con el crédito solicitado comprará cemento, arena, ladrillo, lámina y hierro. De esta forma espera poder mejorar sus condiciones de vida y las de su familia.

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

  • $4,900
    Average annual income
  • 685
    View loans »
    El Salvador Loans Fundraising
  • $25,086,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $500 helped Rina Elizabeth to buy cement, sand, brick, laminate and iron to build a hallway and a room to cover the battery and the bathroom comprar: cemento, arena, ladrillo, lámina y hierro para construir el corredor y un cuarto para cubrir la pila y el baño.
72% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Apr 21, 2014
Currency Exchange Loss: