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Natividad De Jesus
Natividad is 47 years old and the economic support for her household. She lives in very modest circumstances with her children, ages 19,15 and 13, who are in school. Natividad sells fruits, vegetables and grains. This business is her main source of income.

Her main asset is her modest house, which needs a retaining wall as soon as possible, as the rains are overflowing her plot of land and affecting her home. In addition she wishes to do work the bathroom, as the one she has is in poor repair. She is requesting this loan from FUSAI to purchase bricks, cement, sand, gravel and sheet metal for building the wall and repairing the bathroom as soon as possible.
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Natividad tiene 47 años de edad y es el soporte económico para su hogar. Habita en condiciones muy humildes junto a sus hijos de 19, 15 y 13 años de edad quienes se encuentran estudiando. Natividad se dedica a la venta de frutas, verduras y cereales. Este negocio es su principal fuente de ingresos. Su principal patrimonio es su humilde vivienda la cual necesita un muro de retención lo antes posible ya que las lluvias están desbordando el terreno y afecta su vivienda. Además, desea hacer un servicio sanitario ya que el que tiene se encuentra en malas condiciones. Solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena, grava y lámina para hacer el muro y reparar el baño sanitario 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
  • 556
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Natividad De Jesus to buy bricks, cement, sand, gravel and sheet metal in order to build a retaining wall and repair the bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2013
Nov 14, 2013
Currency Exchange Loss:
Dec 19, 2013