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Delmy Lorena
Delmy is 29 years old and is a single mother to three children, ages 11, 10 and 7. Delmy's top priority in life is her children, and she works extremely hard to provide all she can for them. Eight years ago, Delmy started a business selling vegetables to support her children, and this business is still her primary source of income.

With the support from this loan, Delmy plans to purchase building materials such as cement, bricks, sand, gravel, iron and other materials to aid in the construction of a room for her family's home. The small house Delmy and her children are living in is not big enough to fit them all comfortably, so Delmy hopes that this investment will improve her family's living conditions.
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Delmy de 29 años de edad es madre soltera de tres niños de 7 años, 10 años y 11 años de edad. Para ella lo más importante son sus hijos y es por ellos que trabaja duramente para llevar el sustento diario. Desde hace 8 años se dedica a la venta de verduras y este negocio ha sido y sigue siendo su principal fuente de ingresos. Su deseo es construir un cuarto en su terreno ya que su casa es pequeña y ya no da abasto para toda la familia. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de cemento, ladrillos, arena, grava y hierro para construir una nueva habitación. Espera poder contar con este financiamiento ya que no puede hacerlo por su cuenta.

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
  • 723
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Delmy Lorena to purchase cement, bricks, sand, gravel and iron for building a room onto her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 19, 2013
Nov 26, 2013
Currency Exchange Loss:
Dec 17, 2014