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Elza Leticia
Elza Leticia, who is 33, lives in her own home along with her two children (a girl of 4 and a boy of 12) and her parents. She works in a small café for which she receives a small wage which, along with a contribution from her parents, covers the household expenses. Elza is a woman who is dedicated to her work and her family and, as she is keen to do the bet she can for them, she decided to have some work done on the house. She wants to install a bathroom, as all they currently have is a hole in the ground with a plastic covering. They want to build walls, put in supports and a roof so they can install a shower. She hopes to begin the work as soon as possible, but she cannot afford the cost of the materials and so she is applying to FUSAI for a loan to buy cement, bricks, sand and galvanised steel. Elza Leticia is delighted to receive this help and promises to make her repayments punctually.
View original language description ↓
Elza Leticia de treinta y tres años de edad vive junto a sus dos hijos menores de edad una niña de 4 años, un niño de 12 años y sus padres en casa propia. Ella es empleada de un cafetín recibe un sueldo pequeño pero le ayuda con el sustento diario, sus padres también aportan un poco para completar los gastos del hogar; Elza es una mujer entregada a su labor y a su familia, quiere lo mejor para ellos por eso se decidió realizar algunas modificaciones a la vivienda, quiere construir un baño, ya que solo poseen el de fosa de hoyo y está cubierto con plástico, desean levantar paredes, poner una pila y techo para también para instalar una ducha, espera poder empezar el trabajo lo más pronto posible pero no cuenta con los recursos para poder costear los gastos de materiales por eso solicita a FUSAI un crédito que le permita comprar cemento, ladrillos, arena, lamina galvanizada. Elza Leticia está muy feliz con la ayuda y se compromete a cancelar en el plazo 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
  • 520
    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 $400 helped Elza Leticia cement, bricks, sand, galvanised steel.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013