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Jose Antonio
José is 55 years old and lives in a house that he owns with his wife, and their three daughters who are 24, 19 and 17 years old. José is an enterprising man who works everyday walking the streets of his town selling lottery tickets. This is how he earns a living, and provides for his family.

With the goal of increasing his income, he has requested a loan from FUSAI to invest in his business by purchasing a large quantity of lottery tickets since this is his main source of income, and he wants to keep it active while he still can.
View original language description ↓
José tiene 55 años edad y habita en casa propia junto a su esposa y sus tres hijas de 24 años, 19 años y 17 años de edad. José es un hombre muy emprendedor quien todos los días recorre las calles de su localidad para ofrecer billetes de lotería. De esta forma es como se gana la vida y lleva el sustento a su hogar. Con el fin de mejorar sus ingresos ha solicita este crédito a FUSAI para invertir en su negocio en la compra de mayor cantidad de billetes de lotería ya que este es su principal fuente de ingresos y desea mantenerlo activo mientras pueda.

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
  • 709
    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 $500 helped Jose Antonio purchase a large quantity of lottery tickets.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 24, 2014
Currency Exchange Loss:
Feb 20, 2015