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Mercedes Del Rosario
Doña Mercedes is 58 years old. She lives in her own home with her daughter and three grandchildren. Mercedes has been selling clothes for more than four years and her business is located in her home. She is a humble and responsible person with good morals. In addition, she is very friendly with her customers. Her monthly sales are very good. Thanks to her efforts, she has been able to cover some of her family’s expenses.

Doña Mercedes is requesting a home improvement loan so that she can finish the construction of a wall and replace the roof. By requesting this loan, she will be able to buy bricks, cement, sand, iron, and roofing sheets. She will also pay for labor. This will allow her and her family to live better and more securely.
View original language description ↓
Doña Mercedes de 58 años de edad, vive en casa propia con una hija y 3 nietos, ella se dedica a la venta de ropa desde más de 4 años su negocio lo tiene ubicado en su lugar de residencia, es una persona humilde, responsable, con muy buena moral y además muy amable con sus clientes, sus ventas mensuales son muy buenas, gracias a su esfuerzo ha logrado solventar algunos de sus gastos familiares, Doña Mercedes esta solicitando un crédito para mejorar su vivienda ya que con lo que gana no le alcanza para poder realizar la construcción de un muro y cambiar el techo por esa razón esta solicitando el crédito para poder comprar ladrillos, cementos, arena, hierro, laminas y pago de mano de obra y vivir mejor y mas seguros con su familia.

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
  • 587
    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 $800 helped Mercedes Del Rosario to buy construction materials and pay for labor.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 9, 2013
Sep 17, 2013
Currency Exchange Loss:
Apr 17, 2015