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Rosa Amelia
Rosa, 50, and her husband live with their 13-year old son in a house that they own. Rosa has a small corner shop in a space at her house that provides an extra income for the family. She's shown that she has great vision and a strong drive to pull the family up. She's applying for a FUSAI loan that she will use to buy the materials she needs--cement, sand, gravel--to lay a cement floor. The house has a dirt floor now and the investment will improve the family's standard of living. Rosa hopes the loan will come through quickly so that she can begin the improvements as soon as possible.
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Rosa tiene 50 años de edad y habita en casa propia junto a su compañero de vida y su hijo de 13 años de edad. Rosa posee una pequeña tienda en su hogar de habitación la cual le permite percibir ingresos para apoyar en los gastos del hogar. Rosa es una mujer visionaria con mucho entusiasmo de seguir luchando para salir adelante. Rosa solicita este crédito a FUSAI para invertir en la compra de cemento, arena y grava para encementar el piso del corredor de la vivienda dado que actualmente es de tierra y desea dar mejores condiciones habitacionales a su familia. Espera poder tener accesos a este financiamiento y así dar inicio a la mejora 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
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Rosa Amelia to buy materials for laying a cement floor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2014
Apr 28, 2014
Currency Exchange Loss:
Apr 17, 2015