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Xiomara Abigail
Xiomara is forty years old and lives in her own home with her thirteen-year-old son, since her husband emigrated abroad looking for better living conditions. Xiomara works very hard in order to provide for her son and support her household. She has been working selling clothing, shoes, and traditional snacks for twenty years. In order to impove her housing situation, she is requesting this loan from FUSAI to invest in building a partition wall to divide the space in her home in order to live more comfortably. She will use the requested amount to buy bricks, cement, sand, and iron.
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Xiomara tiene 40 años de edad y habita en casa propia junto a su hijo de 13 años de edad dado que su esposo emigro al extranjero en busca de mejores condiciones de vida. Xiomara trabaja muy duro para sacar adelante a su hijo y mantener la economía del hogar. Desea hace 20 años se dedica a la venta de ropa, zapatos y antojitos típicos. Con el fin de mejorar sus condiciones habitacionales solicita este crédito a FUSAI para invertir en la construcción de una pared que sirva de división dentro de su casa y así contar con mayor comodidad. Con el monto solicitado comprará ladrillo, cemento, arena y hierro.

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
  • 715
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $650 helped Xiomara Abigail to buy bricks, cement, sand, and iron to build a partition wall in her home.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 11, 2014
Currency Exchange Loss:
May 11, 2014