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Norma Lisandra
Doña Norma is 31 years old and lives with her husband and three children. She has been selling sweets, such as coconut preserves, for 10 years. With the income she earns, she is able to pay for some of the household expenses.

Doña Norma wants to make an improvement to her home, but she does not have sufficient capital to proceed. For this reason, she is requesting a loan in order to buy materials for building a room she needs in her home. This will allow her family to live more comfortably.

View original language description ↓
Doña Norma de 31 años de edad vive con su esposo y sus 3 hijos, se dedica a la venta de dulces de conserva de coco desde hace 10 años con las ganancias que obtiene logra cubrir algunos de los gastos de su hogar, Doña Norma desea hacerle una mejora a su hogar pero no tiene capital suficiente para poder realizarlo por eso solicita un credito para poder comprar materiales para construir un cuarto que necesita en su hogar y asi podra su familia vivir mas comodos.

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
  • 558
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Norma Lisandra to buy construction materials for building a room.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 29, 2013
Currency Exchange Loss:
Nov 17, 2013