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Maria Victoria
María is 45 years old. She has lived in her own home with her husband for a long time. Her children are adults and live on their own. When they can they contribute to the household budget. María has sold dairy products (cheese, cream and milk) and ice cream for 4 years. She has the business in her home and that is how she is able to get income to support the household. With her husband, she works hard to earn the daily bread. She wants to improve the floor in the house because it is a dirt floor now. She wants to pave the hallway to have more cleanliness. She is asking for this loan from FUSAI to invest in buying cement, sand and gravel to begin improving the floor.
View original language description ↓
María de 45 años de edad habita en casa propia junto a su esposo desde hace mucho tiempo. Sus hijos son mayores de edad y viven aparte y cuando pueden le colaboran con la economía del hogar. María se dedica a la venta de lácteos(queso, crema y Leche.) y helados desde hace 4 años. EL negocio lo tiene en su hogar de residencia y es así como logra sacar los ingresos para llevar el sustento a su hogar. Junto a su esposo trabajan duramente para ganarse el pan de cada día. Desea mejorar el piso de su vivienda ya que actualmente es de tierra y desea pavimentar el corredor para tener mayor higiene. Solicita este crédito a FUSAI para invertir en la compra de cemento, arena y grava para dar inicio a la mejora del piso.

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
  • 698
    View loans »
    El Salvador Loans Fundraising
  • $29,575,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Maria Victoria to buy cement, sand, and gravel.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 29, 2013
Currency Exchange Loss:
Sep 17, 2015