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Maria Melida
Melida, 56 years old, lives with her 2 grandchildren, 10 and 13, both of whom go to school. She is a hardworking woman who makes her living as a domestic servant. Her daughter had to move abroad to provide her children and her mother a better quality of life. Melida wants to repair the kitchen because, as can be seen in this photograph, it is quite dilapidated; so she is applying for a loan from FUSAI to buy wood, iron, and tile, and to pay for labor to repair the kitchen in her home.
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Melida de 56 años de edad vive con sus 2 nietos de 10 y 13 años de edad los cuales se encuentran estudiando. Ella es una mujer trabajadora que se gana la vida prestando sus servicios domésticos, además su hija que tuvo que emigrar al extranjero para darles una mejor calidad de vida a sus hijos y su madre. Melida desea reparar el cuarto de la cocina ya que como se observa en la fotografía esta bastante deteriorado es por eso que solicita un crédito a FUSAI para comprar madera, hierro, teja y pagar mano de obra para que le reparen el cuarto de la cocina de su vivienda.

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
  • 432
    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 $500 helped Maria Melida to buy wood, iron, and tile, and to pay for labor to repair the kitchen in her home.
47% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 30, 2014
Jul 28, 2014
Currency Exchange Loss: