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Roxana Maritza
Roxana is 23 years old. She is a single mother and lives in her own home with her two daughters, aged 7 and 3 years old. Roxana is an enterprising and responsible woman who is in the business of selling jewelry (chains, rings, bracelets, earrings, etc). She has many years of experience and does her sales on foot. This is how she maintains her home. Roxana wants to invest in building a fourth room for her home. To do this, she is requesting a loan from FUSAI, which she will use to purchase sand, brick, cement, and corrugated steel. She hopes to be able to count on this financing as she cannot do it on her own.
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Roxana tiene 23 años de edad es madre soltera y habita en casa propia junto a sus hijas de 7 años y 3 años de edad. Roxana es una mujer emprendedora y responsable quien se se dedica a la venta de joyería (cadenas, anillos, pulseras, aretes, etc.). La venta la realiza de forma ambulante desde hace mucho tiempo y es así lleva el sustento a su hogar. Roxana desea invertir en la construcción de un cuarto dormitorio para lo cual solicita este crédito a FUSAI para invertir en la compra de arena, ladrillo, cemento y lámina galvanizada. Espera poder contar con este financiamiento dado que no puede hacerlo por su cuenta.

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
  • 701
    View loans »
    El Salvador Loans Fundraising
  • $29,661,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Roxana Maritza buy construction materials to build a fourth room on her home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 7, 2014
Mar 28, 2014
Currency Exchange Loss:
Oct 17, 2015