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Fernando Antonio
37 year old Fernando lives in his own house along with his two children who are 13 and 5 years old. Fernando earns a living through his small business making pupusas (a dish made from corn paste, beans, cheese, etc) which he was able to establish thanks to his great efforts. With the goal of improving his sales, he has decided to invest in his business and for this he needs a loan from FUSAI so that he can buy the necessary supplies: corn, beans, cheese, gas, propane, etc) to make his delicious pupusas.
View original language description ↓
Fernando de 37 años de edad habita en casa propia junto a sus dos hijos de 13 años y 5 años de edad. Fernando se gana la vida por medio de un pequeño negocio de pupusería (preparación alimenticia a base de masa de maíz, frijoles, queso, etc.) que con mucho esfuerzo ha logrado establecer. Con el fin de mejorar sus ventas ha tomado la decisión de invertir en el negocio por lo que solicita este crédito a FUSAI para invertir en la compra de los insumos necesarios (maíz, frijoles, queso, gas propano, etc.) para la elaboración de las ricas pupusas.

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
  • 471
    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 $500 helped Fernando Antonio to buy corn, beans, cheese, gas, propane, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Jan 4, 2014
Currency Exchange Loss:
Nov 20, 2014