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Oscar Ismael
Oscar, 23, lives in very humble conditions along with his spouse and three-year-old daughter. His wife works at home and takes care of the household duties. Oscar works for a company in his town, earning a living to sustain his household.

His wish is to offer his family better living conditions, which is why he is applying for this loan from FUSAI to invest in the purchase of cement, sand, and gravel. The walls of his home are made of adobe and are deteriorating due to rain. He would also like to lay down cement on the floor of his home, because he currently has a dirt floor.
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Oscar de 23 años de edad habita en condiciones muy humildes junto a su grupo familiar el cual está conformado por su compañera de vida y su pequeña hija de 3 años de edad. Su esposa Trabaja en su casa y es quien se dedica al trabajo doméstico del hogar. Oscar trabaja como empleado en una empresa de su localidad y así se gana la vida y lleva el sustento a su hogar. Su deseo es dar a su familia mejores condiciones habitacionales por lo que solicita este crédito a FUSAI para invertir en la compra de cemento, arena y grava ya que las paredes de su vivienda son de adobe y se están deteriorando con las lluvias. Además, desea encementar el piso ya que en la actualidad es de tierra.

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
  • 552
    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 Oscar Ismael to buy cement, sand and gravel to plaster walls and lay down a cement floor in his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 25, 2013
Currency Exchange Loss:
Feb 20, 2015