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Maria Ester
María, 51, is a single mother who has been living for a long time with her daughter and two grandchildren in a house that’s humble but hers. She works selling leaves that are used to wrap tamales, a traditional food, in the town main square. She’s been in this business 15 years and this is how she supports her home.

María lacks potable water service so she must pay more to get it or carry it very early from the community’s public fountain. María approached FUSAI for this loan to bring this much needed vital liquid.
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María de 51 años de edad es madre soltera y reside junto a su hija y dos nietos en casa humilde pero propia desde hace mucho tiempo. Ella se dedica a la venta de hoja de huerta (hoja usada para la preparación de tamales: comida típica), en la plaza principal de su municipio. Tiene 15 años de dedicarse al negocio y es así como lleva el sustento a su hogar. En la actualidad, María no cuenta con el servicio de agua potable por lo cual tiene que pagar más por adquirirla o acarrear desde muy temprano del día de una fuente pública de la comunidad. María se acercó a FUSAI para solicitar este crédito que le permita invertir en la introducción del vital líquido que tanta falta le hace.

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
  • 723
    View loans »
    El Salvador Loans Fundraising
  • $29,687,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Maria Ester to invest in potable water.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 14, 2013
Oct 24, 2013
Currency Exchange Loss:
Nov 17, 2013