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Rubia De Jesus
Rubia is 36 years old, a single mother of two boys who are 17 and 12 years old, and a daughter who is 14 years old.

Rubia sells basic commodities such as vegetables, fruit, grain, etc. Her business is located within her home and thanks to her charisma and good products she offers, many people prefer buying from her. For her, the most important things are her children, and she works very hard to provide for them.

The walls of her home are made of adobe which need to be plastered since because of the rains they are deteriorating. Because of this she is requesting this loan from FUSAI to invest in buying cement and gravel to plaster the walls of her house and prove better safety for her children.
View original language description ↓
Rubia de 36 años de edad es madre soltera de dos niños de 17 años, 12 años y una niña de 14 años de edad. Rubia, se dedica a la venta de productos de primera necesidad tales como verduras, frutas, cereales, etc. La ubicación del negocio la tiene en su lugar de residencia y gracias a su carisma y buenos productos que ofrece muchas personas la prefieren. Para ella lo más importante son sus hijos y es por ellos que trabaja muy duro para llevar el sustento a su hogar. Las paredes de su vivienda están hechas a base de adobe las cuales necesitan que se repellen ya que con la lluvias se están deteriorando por lo que solicita este crédito a FUSAI para invertir en la compra de cemento y arena para repellar las paredes de su vivienda y así dar mayor seguridad a sus hijos.

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
  • 474
    View loans »
    El Salvador Loans Fundraising
  • $31,326,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Rubia De Jesus to buy cement and sand to plaster the walls of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 1, 2013
Currency Exchange Loss:
Dec 17, 2014