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Ángela is 38 years old. She is a single mother of two children, aged 9 and 12. For the past 8 years she has been selling chicken, dairy products and vegetables. She is well known in her area and every day she goes out early to offer her products to her neighbors. She lives in very humble conditions and little by little is making improvements.

Ángela is requesting a loan from FUSAI to invest in constructing a sink and a bathroom. She has no adequate place to wash the clothes and the kitchen utensils. With the loan she will buy sand, bricks and cement.
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Ángela de 38 años de edad es madre soltera de dos niños de 12 y 9 años de edad. Desde hace 8 años se dedica a la venta de pollos, lácteos y verduras. Es muy conocida en la zona ya que todos los días sale muy temprano para ofrecer sus productos a sus vecinos. Habita en condiciones muy humildes y poco a poco va haciendo algunas mejoras. Solicita este crédito a FUSAI para invertir en la construcción de una pila con baño ya que no cuenta con un lugar adecuado para lavar la ropa y los utensilios del hogar. Con el préstamo comprará arena, cemento y ladrillos.

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
  • 545
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Angela to buy cement, bricks and sand to build a sink.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Nov 1, 2013
Currency Exchange Loss:
Dec 19, 2013