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Silvia Cecilia
Silvia, 24, is a single mother and lives with her young son in a house that she owns. She works as a cleaner and makes enough to keep food on the table. She has made a few improvements to her small house and now wants to install doors and windows for it. She also wants to build a bathroom because she doesn't have one now. She is applying to FUSAI for a loan that she will use to buy steel doors and windows--an investment that will make her house more secure--and build a bathroom. She is counting on your help because she lacks the resources to fund the work herself.
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Silvia de 24 años de edad, es madre soltera y habita en casa propia junto a su pequeño hijo. Ella se dedica a la prestación de servicios domésticos y de esta forma logra llevar el alimento a su hogar. Su casa es muy pequeña y humilde que con muchos esfuerzos ha hecho algunas mejoras. Desea invertir en la compra de puertas y ventanas y además comprar baño lavable ya que por el momento no posee. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de puertas y ventanas de hierro para dar mayor seguridad a su familia y además, invertir en la compra de un baño sanitario lavable para mayor higiene y salud. Espera poder contar con dicho apoyo ya que no posee los ingresos para hacerlo de manera independiente.

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
  • 510
    View loans »
    El Salvador Loans Fundraising
  • $31,386,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Silvia Cecilia to build a bathroom and install secure doors and windows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 19, 2013
Currency Exchange Loss:
Nov 17, 2013