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Heriberto is 34 years old and lives in his own house with his life's companion and three children, aged 15, 10 and 9. He earns his living as a locksmith and with his wife support his home. He wants to improve the conditions in his house because when it rains water comes in due to a lack of a corridor on the side of the house. He is asking for this loan from FUSAI to invest in buying galvanized sheeting and wood to build a corridor that will allow him to secure his family and their belongings.
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Heriberto de 34 años de edad reside en casa propia junto a su compañera de vida y tres hijos de 15 años, 10 años y 9 años de edad. Se gana la vida como cerrajero y junto a su esposa mantienen la economía de su hogar. Desea mejorar las condiciones de su casa ya que cuando llueve el agua se filtra por falta de corredor a un costado de la casa. Solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada y madera para construir el corredor que le permita asegurar a su familia y sus pequeñas pertenencias.

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
  • 530
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Heriberto to buy galvanized sheeting and wood to build a hallway in his house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 4, 2013
Currency Exchange Loss:
May 17, 2015