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Don Oscar is 39 years old and lives with his wife and two children. He has a small store in his home, as shown in the photograph. With the income he earns, Oscar is able to pay for some of the household expenses.

He needs to make improvements to his home, such as replacing the roof and other repairs around the house. The income he generates from his store is not sufficient to complete these projects, so he is requesting a loan to replace the roof and to perform other repairs on his home so that he and his family can live more securely.

View original language description ↓
Don oscar de 39 años de edad vive con su esposa y sus 2 hijos, el tiene una pequeña tienda en su lugar de residencia como lo muestra la fotografia con las ganancias que obtiene logra cubrir algunos gastos de su hogar, Oscar necesita hacerle una mejora a su vivienda como el cambio del techo y otras necesidades que tiene la casa ya que con lo que gana en la tienda no le es suficiente para realizarlo, por eso solicita un credito para cambiar el techo y otras cosas a su vivienda para que su familia y el puedan vivir mas 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
  • 577
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Oscar to buy materials in order to replace the roof of his house and to perform other home repairs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 27, 2013
Apr 27, 2013
Currency Exchange Loss:
Apr 16, 2014