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Jose Mauricio
José, 57, has much energy for work and to strive for better conditions. He lives in his own house with his sister who depends on him. José works selling new and used men’s and women’s clothes. He lives in very humble conditions and aiming at improving them has decided to replace the walls in the house that are currently metal sheets and are damaged. He’s asking FUSAI for this loan to buy bricks, sand and cement to build walls at home.
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José es un hombre de 57 años de edad quien tiene mucha energía para trabajar y luchar por mejores condiciones. Habita en casa propia junto con su hermana quien depende de él. José se dedica a la venta de ropa nueva y usada tanto para caballero como para dama. Habita en condiciones muy humildes y con el fin de mejorarlas ha tomado la decisión de cambiar las paredes de su casa ya que en la actualidad son de lámina y están dañadas. Solicita este crédito a FUSAI para invertir en la compra de ladrillo, arena y cemento para construir pared de su casa.

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
  • 707
    View loans »
    El Salvador Loans Fundraising
  • $29,653,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Mauricio to buy supplies to build a wall.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2013
Oct 24, 2013
Currency Exchange Loss:
Dec 19, 2013