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Concepción is 49 years old and has lived with her family in their own house for 7 years. She is a very hard-working and visionary woman who always completes that which she starts. She sells new and used clothing. Thanks be to God she has gained customers that prefer her for her low and accessible prices. Little by little she has been able to improve her home and she wishes to stucco the adobe walls and she doesn't have the monetary resources to do so. Therefore she asked FUSAI for a loan to buy construction materials such as cement and sand. She is confident in being able to have her house improved and provide a good roof to her family.
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Concepción de 49 años de edad, habita junto a su familia en casa de su propiedad desde hace ya 7 años. Es una mujer muy trabajadora y visionaria que siempre cumple lo que se propone. Su forma de ganarse la vida es vendiendo ropa usada y nueva, gracias a Dios se ha hecho de clientes que la prefieren por dar precios bajos y accesibles. Poco a poco y como ha podido ha ido mejorar su hogar y desea repellar las paredes de adobe y no tiene pero no cuenta con los recursos monetarios para realizarlo. Es por eso que solicita a FUSAI un préstamo para la compra de materiales de construcción cemento, arena. Confía en poder tener su casa mejorada y darle un buen techo a su familia

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
  • 575
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Concepcion to buy construction materials including cement, sand, and stucco for her walls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013