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Yaneth Esmeralda
Yaneth Esmeralda, who is 38, lives in her own home along with her 3 grown up-children and her father. She offers a range of services - washing other people's clothes and cleaning a school, and she also works in a small café. She works day and night to earn a living. Yaneth is a determined and very hardworking woman who is always on the lookout for good opportunities to make progress. For some time now, her house has needed a perimeter wall and, as she wants to keep her home and those live in it secure, she needs various materials to build one. Unfortunately, because her earnings are low, she cannot afford it and that is why she is applying to FUSAI for a loan to buy cement, iron, sand, gravel, pipes and, of course, pay the workmen. Yaneth Esmeralda is extremely grateful for the help and guarantees that she will repay her debt.
View original language description ↓
Yaneth Esmeralda de treinta y ocho años de edad vive junto a sus tres hijos menores de edad y su padre en casa propia. Ella se dedica a los servicios varios, lava ajeno, limpia una escuela y además posee un empleo en un cafetín, trabaja día y noche para ganarse el sustento diario; Yaneth es una mujer luchadora y muy trabajadora, siempre está buscando buenas oportunidades que le ayuden a salir adelante, su vivienda desde hace algún tiempo necesita un muro perimetral pues quiere mantener segura su casa y a los miembros que habitan en ella, necesita varios materiales pero por sus bajos recursos económicos no puede costear el gasto, por eso le solicita a FUSAI un crédito que le permita comprar cemento, hierro, arena, grava, tubo y por supuesto el pago de mano de obra. Yaneth Esmeralda se siente muy agradecida con la ayuda y se compromete a cancelar toda la deuda.

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
  • 531
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Yaneth Esmeralda to buy cement, iron, sand, gravel, pipes and pay the workmen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013