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Angel Ruben
Angel is 60 years old and lives in his own house with his wife and 4 children. He works in a construction company where he has been employed for 17 years. With the income from his job he manages to pay for some household expenses.

He wants to build a bedroom for his children and to put a roof on the hallway but his income isn’t enough to make this happen, that is why he is requesting a loan, to purchase all the materials such as cement, sheet metal, iron, sand etc… Thus he will be able to build his house as he has always dreamed so that he can live more peacefully and safely with his family.
View original language description ↓
Don angel de 60 años de edad vive en casa propia con su esposa y sus 4 hijos, el trabaja en una constructora de albañil desde hace 17 años con el pago de su trabajo logra solventar algunos gastos de su hogar, el desea construir un cuarto para sus hijos y poner el techo en el corredor de su vivienda pero con lo que le pagan no le alcanza para poder realizarlo por eso solicita un crédito para comprar todo los materiales como: cemento, laminas, hierro, arena, etc. y asi poder construir su vivienda como el siempre lo ha soñado para que pueda vivir más tranquilo y seguro 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
  • 547
    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 $600 helped Angel Ruben to purchase bricks, cement, sand, sheet metal etc...
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 4, 2013
May 19, 2013
Currency Exchange Loss:
Jun 17, 2015