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Cristhiam is 33 years old, and lives with his life partner and their three dependent children, aged 12, 9 and 4, in their own home. He makes his living selling beverages, and he is also a day laborer. In order to help him with their expenses, his wife sells fruit and traditional snacks. They both work hard to get by.

Cristhiam is a very enterprising and responsible man. The family dwelling is located in a rural area, and it is very humble, but it is their home. For some time he has wanted to build a small room for the toilet, which at the moment is only protected with plastic and is very uncomfortable. He also wishes to cement over the floor in the cooking area, as it currently creates a lot of dust. He needs to carry out this work as a matter of urgency, as it will make his family much more comfortable, but he does not have the necessary capital. For this reason he is seeking a loan via FUSAI, which will allow him to buy bricks, cement, sand, and galvanized sheet metal. Cristhiam is very happy with this help, and promises to repay the loan within the set period.
View original language description ↓
Cristhiam de treinta y tres años de edad vive junto a su compañera de vida y sus tres hijos menores de edad uno de 12, uno de 9 y uno de 4 años en casa propia, el se dedica a la venta de bebidas y además es jornalero, su esposa para ayudarle con los gastos vende antojitos típicos y fruta, entre los dos trabajan duro para salir adelante; Cristhiam es un hombre muy emprendedor y responsable; su vivienda está ubicada en una zona rural, es muy humilde pero tienen un hogar, desde hace algún tiempo el quiere construir un cuarto pequeño para el sanitario, ya que el que tiene actualmente solo esta cubierto con plástico y es muy incomodo, además quiere encementar todo el piso del área de la cocina porque se genera mucho polvo, necesita realizar el trabajo con urgencia pues eso le dará mas comodidad a su familia pero no tiene el capital para realizarlo por eso solicita a FUSAI un crédito que le permita comprar ladrillo, cemento, arena, lamina galvanizada. Cristhiam está muy contento con la ayuda y se compromete a cancelar en el periodo establecido.

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
  • 449
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Cristhiam to buy bricks, cement, sand, and galvanized sheet metal.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013