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Oscar Alfonso
Oscar is 37 years old, lives in his own house with his wife, and has worked as a bricklayer for the past few years. With the profits that he obtains from his work, he covers some expenses of his home. He is requesting a loan in order to purchase materials like bricks, cement, sand, etc to construct bathrooms in his home, since what he earns now is not enough to make this investment and be able to have the necessary services in his home.
View original language description ↓
Don Oscar de 37 años de edad vive en casa propia con su esposa, el trabaja de albañil desde hace varios con las ganancias que obtiene de su trabajo logar cubrir algunos gastos de su hogar, don Oscar solicita un crédito para comprar materiales como ladrillos, cementos, arena, etc. para construir los baños sanitarios en su hogar ya que con lo que gana no le alcanza para realizar esa inversión y poder tener los servicios necesarios en su hogar.

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
  • 585
    View loans »
    El Salvador Loans Fundraising
  • $31,721,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Oscar Alfonso to buy materials like bricks, cement, sand, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 21, 2013
May 28, 2013
Currency Exchange Loss:
Apr 16, 2014