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Vilma Esperanza
Vilma is 37 years old and has worked as in farming for 5 years. Her main crops are corn and beans. She lives with her husband and two children in her own home. She uses the profits from the sale of her crops to pay some of the household expenses. Vilma needs to build a home on the plot shown in the photograph, but she doesn't earn enough to finance this. This is why she is requesting a loan to buy materials such as cement, bricks, iron and sand, to build a house that she has wanted for a long time but which her economic circumstances have not allowed. Then, they will have a better house in which to live together as a family.
View original language description ↓
Doña vilma de 37 años de edad se dedica a la agricultura desde hace 5 años su principal siembra es el maiz y el frijol, vive con su esposo y sus dos hijos en casa propia, con las de ventas de sus cosechas logra solventar algunos gastos de su hogar, Doña Vilma necesita contruir su vivienda en el terreno que muestra la fotografia pero con lo que gana no le es suficiente para realizarlo por eso solicita un credito para poder comprar materiales como cemento, ladrillos, hierro, arena, entre otras cosas y construir su vivienda que tanto ha querido y que por su estabilida economica no ha podido y asi puedan tener su casa y vivir mas protegidos con su familia.

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
  • 562
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Vilma Esperanza to buy materials to build her home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 8, 2013
Currency Exchange Loss:
Jul 17, 2014