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Reyna Isabel
Reyna, age 47, lives in her own home with her family. She works in agriculture, sowing corn and beans. She sells her crops in the various markets that are found near her home. She has an established clientele who prefer her because her crops are of a high quality and a good price. With what she earns from her sales, she can cover some of her household expenses.

Reyna wants to improve her home, adding a few rooms to increase the size of her house. Because of this she is asking for a loan to buy the necessary materials, such as: cement, sand, iron, and bricks, and to pay for the labor, etc. In this way she and her family can live comfortably and securely.
View original language description ↓
Reyna de 47 años de edad vive en casa propia con su familia ella se dedica a la agricultura a la siembra de maíz y frijol, comercializa sus productos en los diferentes mercados que se encuentran cerca de su lugar de residencia ya tiene clientela fija que la prefieren por que su producto es de muy buena calidad y a buenos precios, con lo que obtiene de sus ventas logra solventar algunos gastos de su hogar, Reyna quiere mejorar su vivienda construyendo unos cuartos para ampliar mas su casa por esa razon solicita un credito para la compra de los materiales necesarios como: cemento, arena, hierro, ladrillos, pago de mano de obra, etc. y asi ella y su familia puedan vivir comodos y seguros.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

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.


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About El Salvador

  • $7,500
    Average annual income
  • 418
    View loans »
    El Salvador Loans Fundraising
  • $31,306,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped Reyna Isabel to buy cement, sand, iron, and bricks, and to pay for labor, etc.
70% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 28, 2013
Jan 6, 2014
Currency Exchange Loss: