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Ana Rafaela
Ana is 43 years old and lives with her husband, two children, three nephews, daughter in law, and mother. She lives in a humble home of her own and learned to make artisan griddles and clay pots a long time ago and this has been her main source of income. She does this daily and thanks to her charisma, she has been able to win the trust of many customers who prefer to buy from her.

The roof over her house is damaged and she needs to replace it as soon as possible, so she is asking for a loan through FUSAI so she can buy galvanized metal, lumber, and pay for labor. She hopes to be able to count on this support so she can provide safer living conditions for her family.
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Ana de 43 años de edad reside junto a su esposo, sus dos hijos, 3 nietos, su nuera y su madre. Habita en casa humilde pero propia. Desde hace mucho tiempo aprendió el oficio de elaboración de comales y ollas a base de barro y este ha sido su principal fuente de ingresos. Todos los días se dedica a la elaboración de variedad de comales y ollas de forma artesanal. Gracias a su carisma ha logrado ganarse la confianza de muchos clientes que cada día la prefieren más. El techo de su vivienda se encuentra dañado por lo que necesita hacer el cambio lo antes posible. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera y pago de mano de obra. Espera poder contar con este apoyo y así dar a su familia condiciones habitacionales más seguras.

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
  • 705
    View loans »
    El Salvador Loans Fundraising
  • $29,661,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Ana Rafaela to buy roofing materials.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Nov 15, 2013
Nov 26, 2013
Currency Exchange Loss:
Mar 26, 2015