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Maria Luisa
Maria Luisa is 51 years old and lives in her own home. She is a hard-working woman who looks out for herself. She is admired by her neighbors who say that she is responsible and very charismatic. She currently works planting Loroco (a plant native to El Salvador whose flower is edible).

She has decided to ask for a loan from FUSAI because she doesn't have enough money to replace her hallway roof and cement the floor. To do this she needs new metal sheets, nails, cement, and sand, among other materials. The roof is in very bad shape and in this rainy season it is very difficult to live in this space, so she hopes to solve her housing problem soon.
View original language description ↓
Maria Luisa de 51 años de edad vive en casa propia es una mujer muy trabajadora que vela por si misma. Por como la admiran sus vecinos exclaman de ella que es responsable y muy carismática. Actualmente trabaja como jornalera en la siembra de Loroco (planta nativa de El Salvador cuya flor es comestible). Ella ha tomado la decisión de adquirir un préstamo a FUSAI ya que no tiene el dinero suficiente y desea cambiar el techo de un corredor y encementar el piso y para ello necesita comprar laminas nueva, clavos cemento, arena entre otros materiales. Actualmente el techo está muy deteriorado y en esta época de lluvia les está siendo difícil convivir en 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 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
  • 522
    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 $350 helped Maria Luisa to buy new metal sheets, nails, cement, and sand, among other construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2013
Oct 3, 2013
Currency Exchange Loss:
Nov 17, 2013