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Yadira Vanessa
Yadira, 23, lives in her home with her dad and brother.
She is very entrepreneurial; every day she leaves very early to promote the different products that she sells such as lotions and plated jewelry (rings, bracelets, necklaces, etc.). This is how she earns a living and helps with household costs.

She wants to finish building a room inside the house. The walls are covered in plastic and it is not safe.

She is requesting this loan from FUSAI in order to invest in buying bricks, sand, iron and cement in order to finish building the room and have better living conditions.
View original language description ↓

Yadira de 23 años de edad habita en casa de su propiedad junto con su papá y hermano. Ella es muy emprendedora ya que todos los días sale muy temprano a promocionar los diferentes productos que vende tales como lociones y joyería de enchape (anillos, aretes, pulseras, cadenas, etc.), de esta forma se gana la vida y colabora con la economía del hogar. Desea terminar de construir un cuarto dentro de su casa ya que las paredes están cubiertas de plástico y no es seguro. Solicita este crédito a FUSAI para invertir en la compra de ladrillo, arena, hierro y cemento de tal forma que pueda terminar de construir el cuarto y contar con mejores condiciones habitacionales.

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
  • 580
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Yadira Vanessa to buy bricks, sand, iron and cement to build a room.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 21, 2013
Oct 26, 2013
Currency Exchange Loss:
Dec 19, 2013