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Josseline Yaneth
Josseline is 20 years old and is the single mom of a four-year-old boy. She has been working as a domestic employee for a long time and this is how she covers her household expenses and provides for her son. With great effort she has begun to build a house. She still needs to build the bathroom and the kitchen but she has the materials for the rest of the house. She is asking FUSAI for this loan so she can buy the materials she still needs such as: metal plates, cement, sand, gravel and wood. She hopes to receive this financing so she can finish building her home as soon as possible and be able to move in with her son.
View original language description ↓
Josseline tiene 20 años de edad y es madre soltera de un hijo de 4 años de edad. Ella trabaja como empleada doméstica desde hace mucho tiempo y de esta forma lleva la economía de su hogar y da a su hijo el sustento diario. Con mucho esfuerzo comenzó a construir su vivienda la cual todavía le hace falta algunos detalles como el baño y la cocina ya que para el resto ya tiene el material. Solicita este crédito a FUSAI para comprar los materiales que hacen falta como: lámina galvanizada, cemento, arena, grava y madera. Espera poder contar con este financiamiento para terminar su vivienda lo antes posible y poderse mudar junto con su hijo.

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 Josseline Yaneth to buy metal sheets, cement, sand, gravel and wood to finish the bathroom and kitchen.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 10, 2013
Dec 28, 2013
Currency Exchange Loss:
Feb 20, 2015