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Ana Miriam
Ana, 60, lives in her own house with her husband and children. She earns a living selling cakes, breads, beverages, sodas and sweets. This business is her main source of income, allowing her to support the family and help with household expenses.

Ana wants to invest in her business and buy goods such as breads, ham, lettuce, tomatoes, sweets and beverages. She is hoping to improve sales and income so she can give her family better living conditions.
View original language description ↓
Ana tiene 60 años de edad y habita en casa propia junto a su esposo y sus hijos. Ana se gana la vida por medio de la venta de tortas, panes, bebidas gaseosas y golosinas. Este negocio es su principal fuente de ingresos y es como lleva el sustento a su familia y apoya con los gastos del hogar. Ana desea invertir en su negocio en la compra de insumos para el negocio como: panes, jamón, lechuga, tomates, golosinas y bebidas. De esta forma espera mejorar sus ventas y sus ingresos con el fin de dar a su familia mejores condiciones de vida.

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
  • 759
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Ana Miriam to buy breads, ham, lettuce, tomatoes, sweets, and beverages for her business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 28, 2014
May 6, 2014
Currency Exchange Loss:
Jan 17, 2015