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Rosa Melida
Rosa, 39, lives in her own house with her immediate family consisting of her husband and two children. She works selling cheese in various parts of her community. Rosa’s very well-known in her community thanks to the good products and affordable prices she has.

She has a very humble home but she’s proud because she and her husband together have succeeded in having a place to live. The metal sheets that make up the roof are currently rotten and urgently need to be replaced because rain leaks in and her children and her belongings are exposed to the dampness. She’s therefore made the decision to ask FUSAI for this loan to buy galvanized metal sheets, nails and lumber. She hopes to get this help so she can provide a solution to this as soon as possible.
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Rosa, de 39 años de edad habita en casa propia junto a su grupo familiar el cual está constituido por su esposo y sus dos hijos. Se dedica a la venta de queso en las diferentes zonas de su comunidad. Rosa es muy conocida en su comunidad gracias a los buenos productos y precios que ofrece. Cuenta con una vivienda muy humilde pero muy orgullosa porque junto a su esposo han logrado tener un espacio donde vivir. Actualmente las láminas del techo de su casa se encuentran deterioradas y necesitan urgentemente un cambio ya que el agua de las lluvias se filtra y sus hijos y pertenencias se ven expuestos a la humedad. Por lo anterior ha tomado la decisión de solicitar este crédito a FUSAI para comprar: lámina galvanizada, clavos, y madera. Espera poder contar con la ayuda y dar solución lo antes posible.

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
  • 579
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Rosa Melida to buy building supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 8, 2013
Oct 11, 2013
Currency Exchange Loss:
Nov 17, 2013