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Wendy Karina
Wendy is 25 years old and for the past two years has lived in her own house together with her family. She is a young worker who never gives up and always accomplishes her goals. She sells clothing and bags for pupusas (stuffed corn tortillas) in a local market. This is how she earns an honest living and she is always grateful to God because the fruit of her labor has enabled her to improve her home. Little by little she has been making necessary changes and she wants to continue doing so. Unfortunately, she doesn’t have sufficient monetary resources to replace the roof which is rusty and leaking. This is why she is asking FUSAI for a loan to buy construction materials for the roof. She will replace the tile with sheets of galvanized metal and roofing nails. She hopes to do the repairs as soon as possible so that her family can be more comfortable in her house.
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Wendy de 25 años de edad, habita junto a su familia, en casa propia desde hace ya 2 años. Es una joven trabajadora que jamás se da por vencida y siempre cumple lo que se propone. Wendy vendiendo ropa y bolsas para pupusas en un mercado de la zona es así como se gana la vida honradamente y siempre da gracias a Dios porque los frutos obtenidos de su trabajo se ven en la mejora de su hogar poco a poco ha ido realizando los cambios necesarios, pero desea seguir haciéndolo lastima no tiene los recursos monetarios suficientes para cambiar el techo ya que se encuentra picado. es por esa razón que solicita FUSAI un préstamo para la compra de materiales de construcción de dicho techo sustituyendo la teja por lamina galvanizada y clavos para techo entre otros. Espera realizar lo antes posible esta reparación así estarán más tranquila su familia dentro de su casa.

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
  • 552
    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 $500 helped Wendy Karina to buy construction materials to replace the roof of her house which is rusty and leaking. This is why she is asking FUSAI for a loan. She will replace the tile with sheets of galvanized metal and roofing nails.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Sep 26, 2013
Currency Exchange Loss:
Nov 17, 2013