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Raul Alfredo
Raul is 52 years old and lives in a house he owns with his wife and their two children. He has made a living by selling fruits and vegetables for the last 9 years. His business is located in his home. He has a large clientele as he sells at a good price and his products are fresh. With his earnings he is able to cover some of his household expenses.

Raul is asking for a loan to be able to buy materials like metal plates, beams and iron, and to pay for labor in order to put a new roof on his home. The roof he has is already very damaged after so much time without repair, as what he earns isn't enough to be able to fix it. This way his family will be able to live in their home more securely.
View original language description ↓
Don raul de 52 años de edad vive en casa propia con su esposa y sus dos hijos, el se dedica a la venta de frutas y verduras desde hace 9 años su negocio lo tiene ubicado en su lugar de residencia tiene mucha clientela pues vende a buen precio y sus productos son frescos, con las ganancias que obtiene logra cubrir algunos gastos de su hogar, don Raul esta solicitando un crédito para poder comprar materiales como: laminas, polines, hierro y pago de mano de obra, para cambiar el techo de su vivienda porque ya esta muy dañado por tanto tiempo sin poder cambiarlo ya que con lo que ganan no le alcanza para poder realizarlo y así él su familia puedan vivir mas seguros 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 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
  • 712
    View loans »
    El Salvador Loans Fundraising
  • $29,640,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $525 helped Raul Alfredo to buy materials like metal plates, beams and iron, and to pay for labor.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 8, 2013
Jun 23, 2013
Currency Exchange Loss:
Mar 17, 2014