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Maria Francisca
Maria is 37 years old and lives in her own home in humble and simple conditions. She lives with her husband and six children (ages 18, 17, 15, 5, 3 and 1). Maria works very hard along with her husband to provide for their children. For eight years she has worked selling fruits and vegetables in her local market. This business has allowed her to support her family and help with expenses.

Maria would like to improve her open-air kitchen, the roof of which is in bad condition. She is requesting this loan from the field partner to buy galvanized sheets, bricks, sand and cement to repair her kitchen as soon as possible.
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María de 37 años de edad habita en casa propia en condiciones muy humildes y sencillas junto a su compañera de vida y sus 6 hijos (18 años, 17 años, 15 años, 5 años, 3 años y 1 año). María trabaja muy duro junto a su esposo para llevar el sustento a sus hijos. Desde hace 8 años se dedica a la venta de frutas y verduras en el mercado de su localidad. Este negocio le permite llevar el sustento a su hogar y ayudar con los gastos. Desea mejorar su cocina la cual se encuentra al aíre libre y el techo se encuentra deteriorado. Solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, ladrillo, arena y cemento para reparar el cuarto de concina 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
  • 543
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Maria Francisca to buy galvanized sheets, bricks, sand and cement to repair her kitchen as soon as possible.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 25, 2013
Currency Exchange Loss:
Feb 20, 2015