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Ana Isabel
32-year-old Ana lives with her husband and 3 children (2 boys aged 10 and 14 and a girl of 13). She is an enterprising woman who has been making and selling tortillas and pupusas (a variety of tortilla) for 6 years. To contribute to the household, her husband also works selling bread in the street. Ana would like to have electricity installed and to build a sink with a clothes washing area and a bath and so she is applying to FUSAI for a loan to buy cement, and, gravel and bricks. She will also use it to pay for the installation of electricity and to pay for the labour.
View original language description ↓
Ana de 32 años de edad vive con su esposo y sus 3 hijos 2 varones de 10 y 14 años y una niña de 13 años de edad. Ella es una mujer emprendedora que desde hace 6 años se dedica a la elaboración y venta de tortillas y pupusas, también su esposo que se dedica a la venta de pan de forma ambulante apoya a la economía familiar. Ana desea instalar energía eléctrica y construir una pila con lavadero y baño por lo que solicita un crédito a FUSAI para comprar cemento, arena, grava y ladrillo, además pagará derecho de instalación de energía eléctrica y mano de obra.

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
  • 431
    View loans »
    El Salvador Loans Fundraising
  • $22,832,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $600 helped Ana Isabel to buy cement, sand, gravel and bricks to build a sink and a bath and to pay to have electricity installed.
40% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 26, 2014
Jul 25, 2014
Currency Exchange Loss: