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Rosa Idalia
Rosa Idalia, 26, lives with her two children in a humble house but a house she owns. Always aiming at improving, she’s constantly doing her work with the best intentions. Her way of earning a living is selling food in a market. She buys it and does everything necessary because she likes to always have everything hygienic and of quality.

She’s gradually been doing home improvements and wants to build a wall to replace the mud wall but does not have sufficient funds to do so which is why she’s asked FUSAI for a loan to buy materials like cement, gravel, sand and iron rods. She hopes her situation will improve and little by little to feel more secure of reaching her dream as soon as possible.
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Rosa Idalia de 26 años de edad, vive junto a sus dos hijos en casa humilde pero propia. Siempre con deseos de superación se mantiene realizando sus labores con las mejores disposiciones, su forma de ganarse la vida es vendiendo comida en un mercado ella compra, y hace todo ya que le gusta siempre mantener todo con higiene y calidad. Poco a poco ha ido mejorando su casa y desea construir un muro que le sirva de tapial y no tiene los fondos necesarios para realizarlo es por eso que solicito a FUSAI un préstamo para la compra de materiales como cemento, graba, arena, y hierro. Espera pronto su situación mejore y poco a poco sentirse con la seguridad que lograra su sueño lo antes posible.

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
  • 556
    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 $400 helped Rosa Idalia to buy building supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 18, 2013
Currency Exchange Loss:
Oct 25, 2013