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Ana  Mercedes
Ana lives in her own house with her family. She is a very responsible and hard-working woman and has managed to raise her family.

She owns a grocery shop, where she sells bread, soft drinks, oils, vegetables, fruit and sweets, as well as essential products like soap, shampoo and others. Her business is based from her house.

Ana is requesting a loan to buy iron sheets, wooden beams and to pay for labour for the replacement of the roof of her house, since she cannot afford to do it with the income from her shop. This way they can live safely without any danger.
View original language description ↓
Doña ana viven en casa propia con su familia, es una mujer muy responsable y trabajadora, ha logrado sacar adelante a su familia. Ella posee una tienda de productos comestibles como pan, refrescos, aceites, verduras, frutas, golosinas y también de primera necesidad como: jabón y shampoo entre otras cosas tiene su negocio en su casa de habitación. doña ana solicita un préstamo por medio del cual pueda comprar materiales laminas, polinez, etc. y pago de mano de obra para cambiar el techo de su vivienda ya que con lo que gana en su tienda no le alcanza para poder realizarlo y asi puedan vivir seguros sin ningun tipo de peligro.

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
  • 567
    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 $1,000 helped Ana Mercedes to buy iron sheets, wooden beams and to pay for labour.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 17, 2013
Currency Exchange Loss:
Jun 19, 2014