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Mirna Elizabeth
Mirna, age 32, lives in her own home, together with her husband and two children, ages 6 and 13. Mirna has had a business as a shopkeeper for six years. This is how she earns her living and takes care of her household. Together with her husband, she covers the finances of her family.

Mirna wants to buy a gate and finish building a corridor for her home. Because of this, she is asking for a loan from FUSAI to invest in the purchase of metal sheeting, wire mesh, cement, and a gate.
View original language description ↓
Mirna tiene 32 años de edad y habita en casa propia junto a su esposo y sus dos hijos de 13 años y 6 años de edad. Mirna tiene un negocio de tienda desde hace 6 años y es así como se gana la vida y lleva el sustento su hogar y junto a su esposo mantienen la economía de su familia. Mirna desea terminar de construir el corredor de su vivienda y comprar un portón por lo que solicita este crédito a FUSAI para invertir en la compra de lámina, tela metálica, cemento y un portón.

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.

Tags

About El Salvador

  • $4,900
    Average annual income
  • 488
    View loans »
    El Salvador Loans Fundraising
  • $23,459,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Mirna Elizabeth to buy metal sheeting, wire mesh, cement, and a gate to finish the corridor of her home.
80% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 14, 2014
Listed
Jun 19, 2014
Currency Exchange Loss:
N/A