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Cesar Narciso
Cesar, 30, lives in his own house with his life partner and their two children, ages 4 and 8. Cesar works as a day laborer, and his partner sells underwear. Together, they bring home the daily bread and maintain their household economy.

With the goal of improving his very humble living conditions, Cesar has applied for a loan from FUSAI. He would like to improve the conditions of his house, especially the floors and roof. Therefore, he needs materials such as galvanized metal sheets, wood, and nails. He is confident that this will allow him to give his children better living conditions.
View original language description ↓
Cesar tiene 30 años de edad y habita en casa propia junto a su compañera de vida y sus dos hijos de 4 y 8 años de edad. Cesar trabaja como jornalero y su compañera de vida se dedica a la comercialización de ropa interior y así juntos llevan el sustento diario y mantienen la economía de su hogar. Con el fin de mejorar sus condiciones habitacionales las cuales son muy humildes, solicita este crédito a FUSAI dado que desea mejorar las condiciones de su casa principalmente las paredes y el techo por lo que necesita materiales como lámina galvanizada, madera, y clavos. Confía que de esta forma podrá dar a sus hijos 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 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
  • 656
    View loans »
    El Salvador Loans Fundraising
  • $28,178,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Cesar Narciso to buy galvanized metal sheets, wood, and nails to repair the roof and walls of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2014
May 31, 2014
Currency Exchange Loss:
May 17, 2015