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Alberto is 47 years old and lives in his own house with his wife and their two daughters aged 16 and 14. Alberto works as a day labourer and this is how he earns a living and supports his family.

Alberto wants to improve the condition of one of the rooms in his house and so he is asking FUSAI for this loan to buy sand and cement so he can get on and plaster the walls.
View original language description ↓
Alberto tiene 47 años de edad y habita en casa propia junto a su esposa y sus dos hijas de 16 años y 14 años de edad. ALberto es jornalero y este oficio es lo que le permite ganarse el sustento diario y mantener a su familia. Alberto tiene el deseo de mejorar las condiciones de un cuarto de su vivienda por lo que solicita este crédito a FUSAI para invertir en la compra de arena y cemento para proceder al repello de las paredes.

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

  • $4,900
    Average annual income
  • 469
    View loans »
    El Salvador Loans Fundraising
  • $23,135,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $200 helped Alberto to buy sand and cement to plaster the walls of a room.
85% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 10, 2014
Currency Exchange Loss: