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Marcela Abigail
Marcela, age 22, lives in her own house with her three year old daughter. Marcela is a hard-working woman who sells beauty products by catalog. She is very well-known in her area as a responsible and visionary woman.

In order to make her daughter safer, she has made the decision to request this loan from FUSAI. She will use the loan to repair the roof of her house. It is damaged. She will use the requested loan to buy galvanized metal sheeting, wood, and nails. She hopes to be able to get this loan. This way she will be able to start the improvements as soon as possible.
View original language description ↓
Marcela tiene 22 años de edad y habita en casa propia junto a su hija de 3 años de edad. Marcela es una mujer trabajadora quien se dedica a la venta de productos de belleza por catalogo. Ella es muy conocida en su localidad como una mujer responsable y visionaria. Con el fin da dar mayor seguridad a su hija a tomado la decisión de solicitar este crédito a FUSAI para invertir en la reparación del techo de su vivienda el cual se encuentra deteriorado. Con el monto solicitado comprará lámina galvanizada, madera y clavos. Espera poder contar con este financiamiento y así poder dar inicio a las mejoras 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
  • 694
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Marcela Abigail to buy galvanized metal sheeting, wood, and nails to repair the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 4, 2014
May 12, 2014
Currency Exchange Loss:
May 17, 2015