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Zulma Lissette
Zulma is 19 years old and has a business together with her mother: a shop that is their main source of income. They have had the shop for two years and thanks to her charisma and good customer service, many people choose her and every day more people come in search of her products. Zulma has made the decision to ask for this loan from FUSAI to pay to install drinking water and to build a metal fence at her home to make her family and her merchandise safer.
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Zulma tiene 19 años de edad y junto a su madre tienen un negocio de tienda el cual es su principal fuente de ingresos. Tienen 2 años de contar con el negocio y gracias a sus carisma y buen trato a los clientes muchas personas la prefieren y cada día son más las personas que buscan sus productos. Zulma ha tomado la decisión de solicitar este crédito a FUSAI para pagar por la introducción del agua potable y para poner enrejado metálico en su vivienda y así dar mayor seguridad a su mercadería y 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 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
  • 707
    View loans »
    El Salvador Loans Fundraising
  • $29,653,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Zulma Lissette to install drinking water and to buy metal fencing for her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 22, 2014
Feb 24, 2014
Currency Exchange Loss:
Feb 20, 2015