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Graciela Isabel
Graciela lives in very humble conditions along with her three children who are 21, 4, and 2 years old. She has been separated from her husband for a long time, and is the one who has assumed responsibility for her home. With great difficulty she gets her children ahead in life even though they demand more each day since they are growing and need more attention.

For a long time, Graciela has made a living selling new clothing. This business is her main source of income and is how she manages to get what is necessary to maintain her home. She asks FUSAI for this loan in order to repair her house. She needs to change the roof and plaster the walls because the rain has damaged them. She will invest the loan in the purchase of materials like galvanized sheet metal, wood, sand, and cement. She hopes she can rely on this support and thus be able to provide better housing conditions for her children.
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Graciela habita en condiciones muy humildes junto a sus 3 hijos de 2 años de 4 años y 21 años de edad. Desde hace mucho tiempo se separó de su esposo y es quien asumió la responsabilidad del hogar. Con muchas dificultades va sacando adelante a sus hijos quienes cada día le demandan más ya que están creciendo y necesitan más atenciones. Graciela se dedica a la venta de ropa nueva dese hace mucho tiempo. Este negocio es su principal fuente de ingresos y es así como logra sacar lo necesario para llevar el sustento a su hogar. Solicita este crédito a FUSAI para invertir en la reparación de su vivienda ya que necesita cambio de techo y repellar las paredes ya que con las lluvias se han dañado. El crédito lo invertirá para comprar materiales como, lámina galvanizada, madera, arena y cemento. Espera poder contar con este apoyo y así poder dar mejores condiciones habitacionales a sus hijos.

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
  • 560
    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 $350 helped Graciela Isabel to buy galvanized sheet metal, wood, sand, and cement in order to repair the roof and to plaster the walls of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 25, 2013
Currency Exchange Loss:
Feb 20, 2015