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Marlene Esmeralda
Marlene, age 21, lives in her own house with her life partner. She sells cell phone accessories. Thanks to her charisma and the good quality of the products, she has managed to win over the trust of a lot of customers, who prefer her more and more each day. She is well-known in the area where she lives as an enterprising, responsible, and hard-working woman.

Her wish is to improve her income. Like all enterprising women, she has made the decision to request this loan from FUSAI. She does this in order to buy a variety and a greater quantity of phone accessories. Her products are in much demand. She is confident that with this investment she will manage to improve her sales, and, consequentially, she will improve her income.
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Marlene de 21 años de edad reside en casa de propia junto a su compañero de vida. Ella se dedica a la venta de accesorios para teléfono celular y gracias a su carisma y buena calidad en los productos ha logrado ganarse la confianza de muchos clientes que cada día la prefieren más. Es muy reconocida en la zona donde reside como una mujer emprendedora, responsable y trabajadora. Su deseo es mejorar sus ingresos, y como toda mujer emprendedora ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la compra de variedad y mayor cantidad de accesorios para teléfono puesto que sus productos son muy demandados y confía que con esta inversión logrará mejorar sus ventas y por consecuencias sus ganancias.

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 El Salvador

  • $7,500
    Average annual income
  • 575
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Marlene Esmeralda to buy a variety and a greater quantity of phone accessories.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Nov 30, 2013
Currency Exchange Loss:
Sep 19, 2014