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Maria Cristina
Maria is 38 years old and lives in her own home with her spouse and four year old daughter. She makes a living selling natural medicine and vitamins. Maria has been making her sales on foot for six years. She now has many customers and is growing each day. This business is very important for Maria and her family because the income made from the business helps her to complement her household expenses.

With the purpose of improving her and her family's living conditions, she has made the decision to request this loan from FUSAI. She will invest in her business by purchasing the merchandise needed to increase her inventory for her natural medicine and vitamin sales. She hopes to take on a greater share of the market so that she can increase her sales and income.
View original language description ↓
María tiene 38 años de edad y habita en casa propia junto a su compañero de vida y su hija de 4 años de edad. María se dedica a la venta de medicina natural y variedad de vitaminas. La venta la realiza de forma ambulante desde hace 6 años y ya cuenta con muchos clientes que cada día la prefieren más. Este negocio es muy importante para María y su familia dado que con los ingresos que percibe de su negocio le ayuda a complementar y cubrir las necesidades del hogar. Con el fin de mejorar sus condiciones de vida y las de su familia ha tomado la decisión de solicitar este crédito a FUSAI para invertir en su negocio en la compra de mercadería para incrementar su inventario de venta de vitaminas y medicina natural dado que desea abarcar una mayor cuota de mercado que le permita aumentar las ventas e ingresos.

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 El Salvador

  • $7,500
    Average annual income
  • 734
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Maria Cristina to buy natural medicine and vitamins for her business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 28, 2014
Apr 30, 2014
Currency Exchange Loss:
Jan 17, 2015