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Milton Guillermo
Milton Guillermno is a 19-years-old and lives with his family in his own house. He is a farmer and works hard from Monday to Saturday so that day by day he can earn a living with much effort. Milton tries to get ahead and in spite of the difficult economic situation, he remains persistent and constant in his work.

He is a responsible young man and has many ideas in mind. One of them is to make some changes at his home. He wants to cement the entire front hallway because it's really dusty. At the same time, he wants to build a handrail which is common for houses in the country.

He needs to start the job as soon as possible but doesn't have enough money to support the costs. That is why he is asking for a FUSAI loan so that he can purchase cement, sand, and brick. Milton Guillermo is happy with the support he receives and he promises to repay the loan.
View original language description ↓
Milton Guillermo de diecinueve años de edad vive junto a su familia en casa propia, el es agricultor y trabaja duro de lunes a sábado para ganarse el sustento día con día, con mucho esfuerzo Milton trata de salir adelante y a pesar de que es difícil la situación económica, el se mantiene perseverante y constante en su labor, es un joven responsable y con muchas ideas en mente, una de ellas es realizar algunos cambios en su vivienda, quiere encementar todo el corredor de enfrente porque hay demasiado polvo y al mismo tiempo desea construir un pasamanos como es común en las casas del campo, necesita empezar el trabajo lo más pronto posible pero no posee de suficiente capital que respalde los gastos, por eso solicita a FUSAI un crédito que le permita comprar cemento, arena, ladrillo. Milton Guillermo está contento con la ayuda recibida y asegura que cancelara todos los pagos

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
  • 383
    View loans »
    El Salvador Loans Fundraising
  • $31,248,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

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