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Bessi Xiomara
Bessi is 32 years old and lives in her own house with her partner and three children, who are aged 14, 11 and 8 years old respectively. Bessi has been making a living selling tortillas for about a year. She has experience and many customers, who every day prefer her tortillas over others'.

Bessi would like to build a sink and bathroom, and install electricity in her house. To do this, she is applying for a loan from "FUSAI", which she will invest in bricks, cements, sand, iron and installing electricity. By doing this Bessi hopes to offer her family better living conditions.
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Bessi tiene 32 años de edad y habita en casa propia junto a su compañero de vida y sus tres hijos de 14 años, 11 años y 8 años de edad. Bessi se dedica a la venta de tortillas desde hace un año aproximadamente. Cuenta con experiencia y muchos clientes que cada día la prefieren más. Ella desea construir una pila con baño e instalar la energía eléctrica dado que no cuenta con el servicio. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena, hierro e instalación de la energía eléctrica. De esta forma espera dar a su familia mejores condiciones de vida.

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
  • 514
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Bessi Xiomara to buy bricks, cement, sand and iron and to install electricity.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 19, 2014
Apr 11, 2014
Currency Exchange Loss:
Aug 17, 2015