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Bernarda, 46, lives in her own home with her husband and family. She is a very hardworking woman who is known for her honesty and responsibility. Bernarda has a business making and selling tortillas. She also has a small store in her home. These businesses are essential to the finances of her household, because her husband is a small farmer and his harvest comes only once a year, which means that his sales are made only in one season. Thanks to both of their efforts, the family is getting ahead and striving to improve their living conditions.

Bernarda wants to build a porch on her house so that water doesn't enter the home when it rains and damage their minimal belongings. This is why she is requesting this loan from FUSIA to invest in the purchase of sheets of metal roofing material, wood, sand and cement.
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Bernarda de 46 años de edad habita en casa de su propiedad junto a su esposo y su grupo familiar. Ella es una mujer muy trabajadora quien se caracteriza por ser honesta y responsable. Bernarda se dedica a la elaboración y venta de tortillas, además, también tiene una pequeña tienda en su lugar de residencia; estos negocios son fundamentales en la economía de su hogar ya que su esposo es un pequeño agricultor y los cultivos salen una vez al año lo que implica que las ventas se dan solo en una temporada. Gracias al esfuerzo de los dos, su familia va saliendo adelante y luchando por mejores condiciones de vida. Desea construir un corredor en su casa para evitar que el agua azote cuando llueve y dañe sus pocas pertenencias. Esta es la razón por la que solicita este crédito a FUSIA para invertir en la compra de lámina galvanizada, madera, arena y cemento.

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
  • 550
    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 $400 helped Bernarda to buy construction materials to build a porch.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 19, 2013
Nov 26, 2013
Currency Exchange Loss:
Feb 20, 2015