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Lucia Del Carmen
Lucia is 39 years old and lives in her own home with her husband and her two sons aged 12 and 13 and her daughter who is 21. Lucia earns her living selling used clothes that she sells from her house. With the goal of providing better living conditions for her family she is requesting a loan from FUSAI to invest in improving the walls and floors of her house. With the money from the loan she will buy cement, sand and gravel and do the work to the house as soon as she can.
View original language description ↓
Lucia tiene 39 años de edad y habita en casa propia junto a su esposo y sus dos hijos de 13 y 12 años y su hija de 21 años de edad. Lucia se gana la vida por medio de la venta de ropa usada la cual comercializa en su hogar de habitación. Con el fin de brindar mejores condiciones de vida a su familia solicita este crédito a FUSAI para invertir en la mejoras de las paredes y el piso de la vivienda. Con el monto solicitado comprará cemento, arena y grava para proceder lo antes posible a la mejora de la vivienda.

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
  • 577
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Lucia Del Carmen to buy cement, sand, and gravel to cement in the floors and plaster the walls of her house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 4, 2014
Mar 13, 2014
Currency Exchange Loss:
Jul 17, 2015