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Kelvin Francisco
Kelvin is 38 years old and lives in his own house along with his wife, his two year-old son and his step daughter who is 14. Kelvin and his wife earn a living by selling a variety of clothing for women. They have been working in this field for 5 years. They make sales in the main shopping areas in their town and many people prefer their products. Kelvin wants to finish building his home since he has not been able to finish it due to a lack of economic resources. For that reason he is asking for a loan from Kiva partner FUSAI in order to invest in the purchase of bricks, iron, cement, gravel and sand in order to finish his home and be able to move in as soon as possible.
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Kelvin tiene 38 años de edad y habita en casa propia junto a su esposa, su hijo de 2 años y su hijastra de 14 años de edad. Kelvin y su esposa se ganan la vida mediante la comercialización de variedad de ropa para dama desde hace 5 años. Las ventas las realiza en las principales zonas de su localidad y muchas personas prefieren sus productos. Kelvin desea terminar de construir su vivienda dado que no ha podido terminarla por falta de recursos económicos. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo, hierro, cemento, grava y arena y así finalizar su vivienda y poder mudarse lo antes posible.

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
  • 540
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Kelvin Francisco to invest in the purchase of bricks, iron, cement, gravel and sand in order to finish his home.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 16, 2014
Apr 5, 2014
Currency Exchange Loss:
May 5, 2014