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Jose Francisco
Francisco is thirty years old and lives with his life partner and their three children. Their twin boys are twelve years old and their daughter is one. He is an enterprising man who makes a living as a construction worker. He also paints houses and works as a plumber, which allows him to give his family better living conditions. His partner contributes financially by selling the bread she bakes daily.

Francisco wants to build a roof for his house and also needs to buy doors and windows. As can be seen in the picture, his house doesn't have any and he needs them in order to provide safety for his family and their few belongings. That is why he is requesting a loan from FUSAI, which he will use to buy sheet metal, purlins, and pins for the roof, as well as doors and windows.
View original language description ↓
Francisco de 30 años de edad vive con su compañera de vida y sus tres hijos dos niños de 12 años (gemelos) y una niña de 1 año de edad. Él es un hombre emprendedor que se gana la vida como albañil, también pinta casas y es fontanero lo que le permite dar mejores condiciones de vida a su familia, su compañera de vida lo apoya económicamente con la venta de pan que realiza todos los días. Francisco desea poner el techo a su vivienda, también necesita comprar puertas y ventanas ya que como se observa en la fotografía su casa no cuenta con ellas y son necesarias para darle seguridad a su familia y a sus pocas pertenencias por lo que solicita un crédito a FUSAI para comprar lámina galvanizada, polines y pines para colocar el techo y también comprará puertas y ventanas.

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
  • 642
    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 $600 helped Jose Francisco to buy sheet metal, purlins, and pins to build a roof, and also buy doors and windows.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 23, 2014
Jul 17, 2014
Currency Exchange Loss:
Oct 17, 2015