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Silvia Carolina
Silvia is 33 years old and has a great entrepreneurial spirit. For four years, she has had a little business where she sells sweet bread and breakfasts. With much effort, she is raising her three children, ages 9, 6, and one month. With the goal of improving her living conditions and those of her children, she has made the decision to construct a small room, for which she needs materials such as bricks, cement, sand, gravel, and iron and to pay for labor for the construction of the room as soon as possible.
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Silvia tiene 33 años de edad y un gran espíritu emprendedor. Desde hace 4 años posee un pequeño negocio de venta de pan dulce y almuerzos. Con mucho esfuerzo va sacando adelante a sus 3 hijos de 9 años, 6 años, y un mes de edad. Con el objetivo de mejorar sus condiciones de vida y las de sus hijos ha tomada la decisión de construir un pequeño cuarto para lo cual necesita materiales como: ladrillo, cemento, arena, grava, hierro y pago de mano de obra para la construcción del cuarto 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
  • 362
    View loans »
    El Salvador Loans Fundraising
  • $31,223,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Silvia Carolina to buy bricks, cement, sand, gravel, and iron and pay for labor to construct a room.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 19, 2014
Apr 13, 2014
Currency Exchange Loss:
Apr 17, 2015