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Manuel Francisco
Manuel, 35, lives with his life partner and they have a son. Manuel makes his living buying and selling vegetables, he also works wood very well. Manuel needs to protect his piece of land belonging to his home which is why he urgently needs to build a retaining wall. It is for this reason that he has sought a loan from FUSAI to buy aggregates, gravel, sand and iron to build the wall. Manuel says that he will meet the repayments that this loan implies on time.
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Manuel de 35 años de Edad vive junto a su compañera de vida y han procreado un hijo. Manuel se dedica a la compra y venta de verduras, además trabaja muy bien la carpintería. Manuel tiene la necesidad de proteger el terreno de su vivienda por lo que necesita urgentemente la construcción de un muro de retención. Por esa razón ha solicitado a FUSAI un crédito para invertir en la compra de piedra cuarta, cemento, grava, arena y hierro para la construcción del muro. Manuel menciona que solventará puntualmente las cuotas que este crédito implica

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
  • 576
    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 $700 helped Manuel Francisco to buy aggregates, cemento, gravel, sand and iron to build a retaining wall.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Dec 27, 2013
Currency Exchange Loss:
Jul 17, 2015