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Ana Vilma
Ana, 45, is the mother of two daughters aged 22 and 12. She lives in her own home with her daughters as she separated from her husband a few years ago and has remained the sole provider for her home.

Ana works very hard to support her daughters as they are the most important part of her life. It is for them that she gets up early every day to work baking and selling sweet bread. She wants to expand her business and provide a better quality of life for her daughters in this way.

Therefore, she has requested a loan from FUSAI to invest in buying bread flour, yeast, eggs, butter, etc. She confides that this loan will allow her to improve sales and as a result her income will allow her to improve her quality of life and that of her daughters.
View original language description ↓

Ana de 45 años de edad es madre de dos hijas de 22 años y 12 años de edad. Reside en casa propia junto a sus hijas ya que hace algunos años se separó de su esposo quedando ella sola responsable del hogar. Ana trabaja muy duro para sacar adelante a sus hijas ya que para ella es lo más importante en la vida y es por ellas que todos los días se levanta muy temprano para dedicarse a la elaboración y venta de pan dulce. Su deseo es hacer crecer su negocio y de esta forma dar mejores condiciones de vida a sus hijas. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de harina de pan, levadura, huevos, mantequilla, etc. Confía que con esta inversión logrará mejorar las ventas y por ende sus ingresos los cuales le permitirán mejorar su calidad de vida y la de sus hijas.

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 El Salvador

  • $7,500
    Average annual income
  • 560
    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 $300 helped Ana Vilma to buy bread flour, yeast, eggs, butter, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 25, 2013
Currency Exchange Loss:
Dec 20, 2013