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Julio Alberto
Julio is thirty-six years old. He lives in a house that he owns with his life partner and their three children, ages fourteen, twelve, and eight. He has worked as a bricklayer in the town where he lives for a long time. With the goal of protecting his land against the heavy rains, he hopes to construct a retention wall.

He is requesting a loan from FUSAI in order to buy sand and cement. The retention wall that he wants to make will be built mainly from stone; he will collect the stones from the river close to his house so that he doesn't have to spend extra money to purchase them.
View original language description ↓

Julio de 36 años de edad habita en casa propia junto a su grupo familiar el cual está conformado por su compañera de vida y sus hijos de 14 años, 12 años y 8 años de edad. Él presta servicios de albañilería dentro del municipio donde habita desde hace mucho tiempo. Con el fin de asegurar su terreno desea construir un muro de contención ya que con las lluvias se le está lavando. Solicita esté crédito a FUSAI para invertir en la compra de arena y cemento ya que el muro lo hará de piedra la cual extraerá de un río cercano por lo que no pagará por ellas.

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
  • 511
    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 $200 helped Julio Alberto to buy sand and cement to build a retention wall.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2013
Oct 26, 2013
Currency Exchange Loss:
Nov 17, 2013