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Marina Del Carmen
Marina, 48, lives happily in her own home. She is a hardworking woman who takes good care of herself and her husband. Admired by her neighbors, she is known for being responsible and very charming. She currently works in the market selling fruits and vegetables so that little by little she can pay for the household expenses. She decided to take a loan with FUSAI because she did not have enough money, and she wants to buy construction materials to put a new roof on her house. To do this, she needs to buy new sheets of laminated metal, nails, and other materials. The roof she has now is very dilapidated, and in this rainy season they are finding it difficult to live in this condition. Therefore, she hopes to quickly resolve this problem with her house.
View original language description ↓
Marina de 48 años de edad, vive muy feliz en casa propia es una mujer muy trabajadora que vela por si misma y su esposo. Por como la admiran sus vecinos exclaman de ella que es responsable y muy carismática. Actualmente trabaja en el mercado vendiendo frutas y verduras poco a poco pagando los gastos del hogar. Ella ha tomando la decisión de adquirir un préstamo a FUSAI ya que no tiene el dinero suficiente y desea comprar materiales de construcción porque desea cambiar el techo y para ello necesita comprar laminas nueva, clavos entre otros. Actualmente el techo está muy deteriorado y en esta época de lluvia les está siendo difícil convivir es dicho espacio. Por lo que espera pronto solventar este problema de su vivienda.

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
  • 714
    View loans »
    El Salvador Loans Fundraising
  • $29,637,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Marina Del Carmen to buy building materials to repair her roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013