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Milagro Esther
Milagro, 40, has been blessed with four beautiful children who live with her and her husband. She makes a living selling products from a catalog. This business helps her to sustain her family. Her family is the most important thing to her, which is why she works to give them the best every day.

In order to improve and secure her living conditions, she is applying for a loan from FUSAI to plaster the walls of her home. The walls are made of adobe and are deteriorating due to rain and sun, so she needs to protect them as soon as possible. With this loan, she will buy cement and sand.
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Milagro es una mujer de 40 años de edad a quien la vida la ha bendecido con 4 hermosos hijos quienes a la fecha son menores de edad y habitan junto a ella y a su esposo. Milagro se dedica a la venta de productos por catálogo, este negocio le ayuda a llevar el sustento diario a su hogar. Para ella lo más importante es su familia y es por ella que día con día se preocupa por darles lo mejor. Con el fin de mejorar y asegurar sus condiciones habitación solicita este crédito a FUSAI ya que desea repellar las paredes de su casa las cuales son a base de adobe y con las lluvias y el sol se están deteriorando y es necesario protegerlas lo antes posible. Con el crédito comprará cemento y arena.

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
  • 707
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Milagro Esther to buy cement and sand 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