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Jesus Erminda
Jesus is 61 years old and has worked as a tailor making all kinds of clothing since she was 13 years old. She lives together with her husband in their own home. She has a loyal clientele because she does good work and tailors clothing to the requested measurements. With the tailoring she has done she has been able to cover some household expenses, but she needs to complete some improvements to the home. The photo shows part of the house where she would like to build. As what she earns is not enough to pay for construction outright, she is requesting this loan in order to complete the improvements. This way she and her husband will be able to live more securely and have the home they have always wanted but have not had the financial stability to afford.
View original language description ↓
Doña Jesus de 61 años de edad se dedica a la confeccion de ropa de todo tipo desde hace 13 años, vive con su esposo en casa propia, tiene mucha clientela pues trabaja muy bien y deja la ropa a la medida que el cliente solicita, con las costuras que realiza logra solventar algunos gastos de su hogar pero necesita hacerle unas mejoras a su vivienda la foto muestra parte de la casa donde quiere construir ya que con lo que gana no le es suficiente para realizarlo por eso solicita un credito para poder hacerle unas mejoras para que puedan vivir mas seguros ella y su esposo y asi poder tener la casa que siempre han querido pero por su estabilidad economica no han podido lograr hacerlo.

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 El Salvador

  • $7,500
    Average annual income
  • 540
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jesus Erminda complete improvements to her home.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 20, 2013
Currency Exchange Loss:
Sep 19, 2014