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Maria Mercedes
María Mercedes is 42 and lives with her partner and their three children, aged 3, 12 and 18. She earns money during the week by washing clothes. She goes to people's houses and they pay her to wash their clothes. She desperately needs a new roof for her house as the current sheeting is damaged. She is asking for a loan from FUSAI to buy galvanised sheets and nails to repair the roof of her humble home. She trusts that God will help her realise her dream.
View original language description ↓
María Mercedes de 42 años de edad, vive con su compañero de vida y sus 3 hijos (18, 12 y 3 años de edad). Su forma de ganarse la vida es que lava ropa ajeno entre semana va a casas a lavar y le pagan por realizar esta labor, desea con tanta urgencia poder cambiar el techo de su hogar ya que la lámina existente está muy deteriorada es por eso que solicita a FUSAI un préstamo para a comprar lamina galvanizada, pines para reparar el techo de su humilde vivienda. Confía en Dios que pronto podrá realizar este sueño.

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 El Salvador

  • $7,500
    Average annual income
  • 491
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Maria Mercedes to repair the roof of her home by buying galvanised sheets and nails.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 6, 2013
Currency Exchange Loss:
Oct 25, 2013