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Miguel Angel
Miguel, 53, is a very responsible and attentive person, he lives in his own home with his wife and two children aged 19 and 23 years old who are currently studying. Miguel has owned a store for several years now and a grinder located in his place of residence. He is able to cover some of his household costs with what his business obtains.

Miguel is seeking a loan to improve his home to make a few rooms so that he and his family can live more comfortably, hence why he is seeking the loan to buy all the necessary materials such as sand, cement, bricks, irons and so on and to pay for labor so as to give his family a better quality of life.
View original language description ↓
Don Miguel de 53 años de edad es una persona muy responsable y atenta, vive en casa propia con su esposa y sus dos hijos de 19 y 23 años de edad ellos estudian actualmente, hace varios años posee una tienda y un molino ubicados en su lugar de residencia, con lo que obtiene de su negocio logra solventar algunos gastos de su hogar, Don Miguel solicita un crédito para mejorar su vivienda y realizar unos cuartos para poder vivir mas cómodos con su familia por eso solicita dicho crédito y comprar todos los materiales necesarios como: arena, cemento, ladrillos, hierro, etc. y pago de mano de obra y así darle a su familia una mejor vida.

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
  • 550
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Miguel Angel to buy sand, cement, bricks, iron and so on.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 24, 2013
Sep 6, 2013
Currency Exchange Loss:
Oct 6, 2013