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William Ernesto
William, who is thirty years old, lives in his own home with his life partner and their son and daughter, who are ages two and seven. William works for a car repair shop, from where he earns the monthly income that allows him to provide for his family.

He wants to improve the roof and the inside of the walls in his home, which is why he is requesting this loan from FUSAI. He will invest in purchasing sheet metal and wood in order to start the improvements to the roof and interior walls as soon as possible.
View original language description ↓
William de 30 años de edad habita en casa propia junto a su compañera de vida y su hijo de 7 años de edad y su hija de 2 años de edad. William trabaja en un taller de mecánica en el cual recibe un ingreso mensual que le permite llevar el sustento a su hogar. Él desea mejorar el techo y la pared interna de la vivienda para lo cual solicita este crédito a FUSAI para invertir en la compra de lámina galvanizad y madera para proceder lo antes posible a la mejora del techo y la pared interna.

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
  • 455
    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 $300 helped William Ernesto to buy sheet metal and wood to improve the roof and the inside of the walls of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 20, 2013
Feb 24, 2014
Currency Exchange Loss:
Jan 17, 2015