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Marleny is the mother of two children. She works very hard for them in order to be able to get by and take care of everything they need. She is asking for a loan through FUSAI to be able to finish building her house. She has a small plot of land where she began construction, but due to a lack of income she hasn’t been able to finish. Thanks to this loan she will be able to buy sheets of metal, bricks, cement, sand, and everything needed to be able to have her own house and live better with her children.
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Marleny es madre de dos hijos por quienes trabaja muy duro para poder salir adelante y contar con todo lo necesario. Ella solicita un préstamo a FUSAI, para poder terminar de construir su casa, ya que cuenta con un pequeño terreno en donde inició la construcción pero por falta de ingresos no había podido culminar. Gracias a este préstamo ella podrá comprar: láminas, ladrillos, cemento, arena y todo lo necesario para poder contar con su casa propia y vivir mejor junto a sus hijos.

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
  • 558
    View loans »
    El Salvador Loans Fundraising
  • $31,840,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Marleny to buy construction materials to finish her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 5, 2013
Sep 9, 2013
Currency Exchange Loss:
Oct 25, 2013