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Ana Gladis
Ana Gladis is 46; lives with her husband, children, and her small grandson; and strives each day to be a good wife and mother. Ana Gladis stands out for many reasons: she is very hard working, starts each day with new tasks to do, and has a strong ambition to achieve a better life.

Ana Gladis has for seven years lived in a modest home that she owns. She has made improvements to the house and is pleased that she's been able to do so without depriving her family of their daily necessities. Ana Gladis sells firewood, cutting each bough into logs herself. She also runs a small shop where she sells basic items such as shampoo, soap, eggs, milk, bathroom tissue, and other goods.

Ana Gladis decided to apply for a loan from FUSAI [Fundación Salvadorña de Apoyo Integral, Salvadoran Foundation for Comprehensive Development] to add a 4 x 3 square meter room to her home, improve sanitation by adding a second latrine, and fix the house's roof. She is grateful for the lender's support and plans to repay the loan quickly. The loan funds will benefit Ana Gladis and improve her family's quality of life.
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Ana Gladis de 46 años de edad vive junto y su pequeño nieto a sus hijos quien día a día son su motivo para ser una buena mujer y una buena madre. con muchas características que las distinguen de los demás Ana Gladis es muy emprendedora cada mañana se levanta con nuevos proyectos en mente y desea que pronto su vida mejore. Desde hace ya 7 años vive en casa humilde pero propia ha sabido mejorarla y se ha sentido satisfecha porque nunca les ha faltado el pan de cada día. Ana se dedica al comercio de vender leña, corta cada raja de leña y hace los puñitos, también posee una pequeña tienda donde comercializa productos básicos y de primera necesidad como shampoo, jabón, huevos, leche, papel higiénico entre otros. Ana Gladis decidió solicitar un préstamo a FUSAI para construir un cuarto de 4mts por 3 mts cuadrados y además mejorar el servicio sanitarios (letrina)hacerle un respaldo y arreglar el techo donde se encuentra. Agradece por el apoyo brindado y espera pronto saldar la deuda adquirida así ella se verá beneficiada con ese prestamos y les dará una buena condición de vida a sus hijas.

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
  • 563
    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 $300 helped Ana Gladis to build a 4 x 3 square meter room, improve sanitation by adding a second latrine, and fixing the roof of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 3, 2013
Currency Exchange Loss:
Oct 25, 2013