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José is 50 years old. He lives with his wife and two small children. Currently José works in the construction of houses. He is requesting a loan from FUSAI, with which he will be able to have the necessary money to invest in the purchase of materials like: clay bricks, iron, sand, cement, among others, in order to make a hand rail (a wall below approximately 80 cm in height) in the corridor of his house. This will give him better security in addition to keeping the rain from entering the inside of the house. He also hopes to construct a concrete sheet for the bathroom.
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José de 50 años de edad, vive junto a su esposa y dos pequeños hijos; actualmente José trabaja en la construcción de casas. Él solicita un préstamo a FUSAI, con el cual pueda contar con el dinero necesario para invertir en la compra de materiales como: ladrillo de barro, hierro, arena, cemento, entre otros más, para hacer un pasamanos (pared baja de aproximadamente 80 cm de alto) en el corredor de su casa el cual le brinde mayor seguridad además de evitar que se introduzca las aguas lluvias al interior de su casa. También pretende construir una plancha de concreto para el servicio sanitario.

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 El Salvador

  • $7,500
    Average annual income
  • 380
    View loans »
    El Salvador Loans Fundraising
  • $31,276,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped José to purchase materials to construct a hand rail and a concrete sheet for the bathroom.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Sep 24, 2013
Currency Exchange Loss:
Nov 17, 2013