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Elmer Jovel
Elmer is 25 years old and lives in his own house with his partner and their little 3-year-old son. Elmer earns a living raising and selling chickens, which is his main source of income. He wants to invest in his small chicken farm in order to improve his sales and income.

For this reason he is requesting a loan from FUSAI to buy a large quantity of chickens so he can fulfil his objectives and improve his own and his family's living conditions.
View original language description ↓
Elmer tiene 25 años de edad y habita en casa propia junto a su compañera de vida y su pequeño hijo de tres años de edad. Elmer se dedica a la crianza y venta de pollos lo cual es su principal fuente de ingresos y desea invertir en su pequeña granja con el fin de mejorar sus ventas e ingresos. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de mayor cantidad de pollos y así poder cumplir su objetivo y mejorar sus condiciones de vida y las de su familia.

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
  • 718
    View loans »
    El Salvador Loans Fundraising
  • $29,637,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Elmer Jovel to buy a larger quantity of chickens to fatten for sale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 20, 2013
Feb 24, 2014
Currency Exchange Loss:
Sep 19, 2014