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Eduardo Luis
Eduardo is 24, lives in his own home with his family, and has earned a living by farming for six years. He has decided to apply for a loan from FUSAI [Fundación Salvadoreña de Apoyo Integral, Salvadoran Foundation for Integral Support] to invest in essential repairs to his home, such as installing a new floor and plastering the walls. Eduardo will use the loan funds to purchase cement, sand, and gravel for a new floor and to repair the adobe walls of his home, which suffer damage during the rainy season.
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Eduardo tiene 24 años de edad y habita en casa propia junto a su grupo familiar. Eduardo trabaja como agricultor desde hace 6 años y de esta forma lleva el sustento a su hogar. Eduardo ha tomado la decisión de solicitar este crédito a FUSAI para para invertir en las mejoras que su vivienda necesita como lo son las paredes y el piso. Con el monto solicitado comprará cemento, arena y grava para encementar el piso y para repellar las paredes de la vivienda las cuales son de adobe y cuando es tiempo de lluvias se deterioran.

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
  • 442
    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 $250 helped Eduardo Luis to purchase cement, sand, and gravel to install a floor and plaster the walls of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 22, 2014
Feb 24, 2014
Currency Exchange Loss:
Feb 20, 2015