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Maria Candida Virginia
María’s a responsible, very hardworking person living in her own house with her life companion and their two children who are attending school at present. She’s sold used clothes, perfume, cream, deodorant, etc. for several years earning income to cover some of her household expenses.

Now, she’d like to do some home improvements but what she earns from her sales isn’t enough to do so which is why she’s asking for a loan to buy building supplies like metal sheeting, nails, lumber and to pay labor costs to build a metal shed to install her business in so she and her family can live more comfortably and more safely.
View original language description ↓
Doña Maria es una persona muy responsable y trabajadora, vive en casa propia con su compañero de vida y sus 2 hijos ellos estudian actualmente, hace varios años se dedica a la venta de ropa usada y perfumes, cremas, desodorantes, etc. con lo que obtiene de su negocio logra solventar algunos gastos de su hogar, ahora ella quiere hacer una mejora en su vivienda pero con lo que gana de sus ventas no le alcanza para poder realizarlo por esa razón es que esta solicitando un crédito para la compra de materiales laminas, clavos, madera, pago de mano de obra para la construcción de una champa de lamina para poner su negocio y así ella su familia puedan vivir mas cómodos y seguros.

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
  • 521
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Maria Candida Virginia to buy building supplies and to pay labor costs.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 14, 2013
Sep 23, 2013
Currency Exchange Loss:
Jun 19, 2014