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Rosalva, age 36, lives in her own house with her two children, ages 17 and 14. Her husband passed away some years ago. That is why Rosalva is the one who manages the finances for the household. She puts forth great effort to give her family better living conditions.

She buys and sells silver, stainless steel, and silver plated jewelry. She has had this business for eight years, and she sells in an itinerant manner.

She wishes to invest in her business. That is why she is requesting this loan from FUSAI. She will buy a greater quantity of merchandise like rings, chains, bracelets, and earrings.
View original language description ↓
Rosalva de 36 años de edad reside en casa propia junto a sus dos hijos de 17 años y 14 años de edad. Su esposo falleció hace algunos años por lo que Rosalva es la que lleva la economía del hogar y se esfuerza por dar a su familia mejores condiciones de vida. Ella se dedica a la compra y venta de joyería de plata, acero inoxidable y enchape. Dicho negocio lo tiene desde hace 8 años y la venta la realiza de forma ambulante. Desea invertir en su negocio por lo que solicita este crédito a FUSAI para invertir en la compra de mayor cantidad de mercadería como: anillos, cadenas, pulseras y aretes.

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
  • 460
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Rosalva to buy rings, chains, bracelets, and earrings.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Dec 31, 2013
Currency Exchange Loss:
Oct 19, 2014