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Marta Rosa
Marta, 39, lives in her own home with her family, which includes her life partner and their children who go to the public school in their community. Marta makes a living by selling fresh fish in her community's market. She has a modest home but she's very happy because it's her own and she doesn't have to pay rent. Her home needs some improvements, including a bathroom. She wants to build a room to enclose the bathroom because it's currently enclosed with fabric and plastic. For this reason, she is requesting a loan from FUSAI to buy galvanized laminate, wood, and nails.
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Marta tiene 39 años de edad y habita en casa propia junto a su grupo familiar el cual está constituido por su compañero de vida y sus hijos quienes se encuentran estudiando en la escuela pública de su comunidad. Marta se dedica a la venta de pescado fresco en el mercado de la comunidad donde habita. Cuenta con una casa muy humilde pero está muy contenta porque es propia y no tiene que estar pagando alquiler. Su vivienda necesita de algunas mejoras como lo es su servicio sanitario. Desea construir un cuarto para cubrir el servicio sanitario ya que por el momento está cubierto por telas y plástico. Por esta razón solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera y clavos.

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
  • 576
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Marta Rosa to buy galvanized laminate, wood, and nails to build bathroom walls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Oct 19, 2013
Currency Exchange Loss:
Nov 17, 2013