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Luis Cleotilde
Luis, 30, lives in his own house with his life partner and his young child, age 9. He has worked as a carpenter for five years. Thanks to his charisma and dedication to his work he has a lot of customers who request his services.

Luis wants to improve the condition of his house so he's requesting this loan from FUSAI to buy cement, sand, galvanized metal sheets, and wood. He wants to change the roof on the porch of his house and cement the floor, which is currently made of dirt.

He says he's able to make the loan payments.
View original language description ↓

Luis de 30 años de edad habita en casa de su propiedad junto a su compañera de vida y su pequeño hijo de 9 años de edad. Desde hace 5 años trabaja como carpintero y gracias a su carisma y dedicación en lo que hace ya cuanta con muchos clientes que demandan sus servicios. Desea mejorar las condiciones de su casa para lo cual solicita este crédito a FUSAI para invertir en la compra de cemento, arena, lámina galvanizada y madera ya que desea cambiar el techo del corredor de su casa y encementar el piso ya que en la actualidad es de tierra. Expresa tener la capacidad para cancelar las cuotas que el préstamo implica.

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
  • 550
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Luis Cleotilde to buy construction supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 11, 2013
Currency Exchange Loss:
May 17, 2015