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Rafael, age 41, lives in a house on his property, together with his family. He earns his living through mobile sales of drinks and bread with hotdogs. He is very well known in the neighborhood because he is kind and offers clean and tasty products.

Right now his house doesn’t have a corridor and when it rains, the water seeps in and damages his few belongings. He is asking for this loan from FUSAI to invest in the purchase of galvanized sheets of metal and wood so that he can give greater security to his home with the construction of a corridor.
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Rafael de 41 años de edad, habita en casa de su propiedad junto con grupo familiar. Él se gana la vida mediante la venta de refrescos y venta de panes con salchicha de manera ambulante. Es muy conocido en la zona ya que es muy amable y ofrece productos higiénicos y sabrosos. Actualmente, su casa no tiene corredor y cuando llueve se filtra el agua y daña sus pocas pertenencias. Solicita este crédito a FUSAI para invertir en la comprar de lámina galvanizada y madera de tal forma que le permita dar mayor seguridad a su vivienda con la construcción de un corredor.

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
  • 582
    View loans »
    El Salvador Loans Fundraising
  • $31,734,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Rafael to buy galvanized sheets of metal and wood to construct a corridor for his house.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Oct 26, 2013
Currency Exchange Loss:
Nov 25, 2013