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Yanet Marisol
Yanet is 36 and lives in her own house with her partner and their three children aged 15, 14 and 5. Yanet has worked providing domestic services for two years and this is how, together with her partner, they make a living to cover their household costs. Yanet wants to improve her living conditions and those of her family, which is why she has taken the decision to cement the floor in her house and install electricity, as they are not connected to the supply. This is why she is asking for a loan through FUSAI: to invest in buying cement, sand and gravel, as well as to pay for the installation of electricity in her home, which she needs greatly.
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Yanet tiene 36 años de edad y habita en casa propia junto a su compañero de vida y sus tres hijos de 15 años, 14 años y 5 años de edad. Yanet se dedica a la prestación de servicios domésticos desde hace dos años y es así como junto a su compañero de vida mantienen la economía del hogar. Yanet desea mejorar sus condiciones de vida y las de su familia por lo que ha tomado la decisión de encementar el piso de la vivienda y de instalar la energía eléctrica ya que no cuenta con el servicio. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de cemento, arena, grava y para pagar por la instalación del servicio de energía eléctrica en su vivienda que tanta falta le hace.

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
  • 555
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Yanet Marisol to buy cement, sand and gravel to cement her floor, as well as paying for the installation of electricity.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 11, 2014
Currency Exchange Loss:
Oct 17, 2015