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Ernesto is 51 years old and lives in his own house together with his life partner, his mother and one son who is already an adult. For 7 years, Ernesto has worked as an employee in a business near his town. He is a very hard-working person and is very well-known in his community as a responsible and honest man. Ernesto and his family live in very humble conditions, and he would like to repair the wall of the back part of his home, and also construct a tank for storing water. Because of this, he is requesting this loan from FUSAI to invest in buying cement, bricks, sand, gravel and metal sheets. He is a very committed man, and he says that he will be able to pay the debt with the money he earns, and thus keep the doors of the Foundation open so that he can remain well qualified for future loans.
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Ernesto tiene 51 años de edad y habita en casa propia junto a su compañera de vida, madre y un hijo quien ya es mayor de edad. Ernesto trabaja como empleado en una empresa cercana a su localidad desde hace 7 años. es un un hombre muy trabajador y muy conocido en su localidad como un hombre responsable y honesto. Ernesto y su familia habita en condiciones muy humildes y desea reparar la pared de la parte trasera de la vivienda y una pila para reguardar el agua. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de cemento, ladrillo, arena, grava y lámina. Es un hombre muy comprometido y expresa que con lo que gana logrará cancelar la deuda y así dejar abiertas las puertas de la Fundación para seguir siendo bien calificado para futuros créditos.

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
  • 491
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Ernesto to buy cement, bricks, sand, gravel and metal sheets to repar a wall of his home and build a water tank.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 24, 2014
Currency Exchange Loss:
Feb 20, 2015