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Carolina Elizabeth
Carolina is 38 years old. She lives in her own house with her husband and their two children. She owns a store, located at her place of residence, and her sales allow her to cover the expenses that come up in her household.

Carolina wants to improve her house by constructing an outer wall in the location shown in the photograph. The rains wash away the earthen wall that is there currently, but with what she earns from sales, she is not able to carry out her plan. For this reason, she is requesting a loan to purchase sand, cement, brick, and iron and to pay for labor to construct the wall. In this way, she and her family can live more securely.
View original language description ↓
Carolina de 38 años de edad vive en casa propia con su esposo y sus dos hijos, ella posee una tienda ubicada en su lugar de residencia con lo que obtiene de sus ventas logra solventar los gastos que se le presentan en su hogar, Carolina quiere mejorar su vivienda construyendo un muro perimetral en el lugar que muestra la fotografía ya que por las lluvias se está lavando el muro de tierra que se encuentra ahí, pero con lo que obtiene de sus ventas no le alcanza para poder realizarlo por esa razón solicita un crédito para la compra de arena, cemento, ladrillos, hierro y pago de mano de obra para poder construir dicho muro y si ella y su familia puedan vivir más seguros.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

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
  • 845
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Carolina Elizabeth to pay for sand, cement, brick, iron, and labor costs.
42% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 5, 2014
Jun 23, 2014
Currency Exchange Loss: