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Maria Isabel
María Isabel is 38 years old, lives with her family - her husband and children. She is a very hard-working woman who always has stood out as being entrepreneurial. Today she earns a living selling pupusas and pasteles (traditional dishes in her country) from her home. She sells every afternoon and thanks be to God she sells what she needs to sell to meet her daily needs. She has improved her home little by little and she still has more to do but doesn't have sufficient monetary resources so therefore she asked FUSAI for a loan that will enable her to buy construction materials such as cement and sand as her floor is earthen, and galvanized laminate to improve the roof of her room. she is confident to pay off the loan and make improvements.
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María Isabel de 38 años de edad, habita junto a su familia, su esposo y sus hijos. Es una mujer muy trabajadora que siempre se ha destacado por ser emprendedora. Actualmente su forma de ganarse la vida es vendiendo pupusas y pasteles en su casa (platos típicos del país), todas la tardes pone su venta y gracias a Dios vende lo necesario para los gastos del día. Ella ha ido mejorando su hogar poco a poco y le falta por hacer pero no tiene el recurso monetario suficiente es por esa razón que solicitó a FUSAI un préstamo que le permita comprar materiales de construcción como cemento y arena ya que el piso es de tierra, y laminas galvanizada para mejorar el techo de un cuarto. Confían en saldar la deuda y mejorar lo antes pensionado.

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
  • 600
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Maria Isabel to buy construction materials such as cement for her earthen floor and laminate to improve her roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2013
Sep 26, 2013
Currency Exchange Loss:
Oct 25, 2013