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José Armando
José, 36 years old, lives with his family, composed of his life partner and his 3 children aged 11, 8, and 7. José is a visionary man who wants his children to get ahead and have better opportunities in life. José has worked as a mason for a long time, and this is how he supports his household. With the goal of improving his family's living conditions, he is requesting this loan from FUSAI to invest in the purchase of paint, cement, and sand, as he wants to pave and paint his home. He hopes to be able to count on this support and make these improvements to his home as soon as possible.
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José de 36 años de edad reside junto a su grupo familiar conformado por su compañera de vida y sus 3 hijos de 11 años, 8 años y 7 años de edad. José es un hombre visionario quien desea que sus hijos se superen y puedan tener mejores oportunidades de vida. José trabaja como albañil desde hace mucho tiempo y de esa forma lleva el sustento a su hogar. Con el fin de mejorar las condiciones habitacionales de su familia solicita este crédito a FUSAI para invertir en la compra de pintura, cemento y arena ya que desea pavimentar y pintar su vivienda. Espera poder contar con este apoyo y así hacer las mejoras de su vivienda lo antes posible.

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
  • 514
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped José Armando to purchase paint, cement, and sand to pave and paint his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 14, 2013
Currency Exchange Loss:
Nov 20, 2014