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Samuel is 40 years old and lives with his wife, who is a homemaker, their little 15-month-old baby, and their other children aged 3, 11 and 13.

He is very dedicated to his work since he is solely responsible for providing daily sustenance to his household. He is very enterprising and attentive to his activities. Currently he builds metal structures, and he his well-known in his area for the good work that he does and his precision. In everything he does he tries to avoid any errors or problems.

His greatest dream at the moment is to get his house into good shape, since his children are small, and this home is all he can give them. For this reason he is seeking a loan through FUSAI so that he can replace his roof. He will buy galvanized material, wooden beams and other materials. Samuel says that when he makes this upgrade to his house he will feel very content, since his children will feel happier and safer in their home.
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Samuel de 40 años de edad habita junto a su familia su esposa que es ama de casa y sus hijos de; 13 años, 11 años, 3 años, un bebecito de 15 meses de edad. Es un hombre muy entregado al trabajo ya que es el único responsable de llevar el sustento diario a su hogar, se caracteriza por ser muy emprendedor y atento a sus actividades. Actualmente Samuel se dedica a realizar estructuras metálicas, es muy conocido en su lugar de vivienda por realizar buenos trabajos y con orden ya que todo lo que hace lo trata de entregar sin errores y sin problemas. Su mayor sueño en este momento es tener su casa en buen estado ya que sus hijos están pequeños y es el único patrimonio que les entregará es por eso que solicita a FUSAI un préstamos para cambiar el material de techo, comprar lámina galvanizada, polines y otros materiales. Samuel dice que al realizar ésta mejora a su vivienda se sentirá muy contento ya que sus hijos se sentirán muy a gusto y seguros dentro su casa.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

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
  • 708
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Samuel to buy laminated sheeting for his roof, as well as steel, concrete or other items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 25, 2013
Aug 2, 2013
Currency Exchange Loss:
Oct 25, 2013