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Gladis Isabel
Gladis is 38 years old and resides in her own home along with her two children, ages 7 and 11. She is a hardworking, responsible, and visionary woman. Gladis is employed at a company near her town, so she is capable of feeding her household.

Her wish is to improve the living conditions at home. The roof is in bad condition, so she has decided to repair it with the loan she is requesting from FUSAI. Gladis will invest in the purchase of galvanized sheets, wood, and nails so that she can proceed with the improvements to the roof as soon as possible. As a result, her family will experience greater security.
View original language description ↓
Gladis tiene 38 años de edad y habita en casa propia junto a sus dos hijos de 7 años y 11 años de edad. Ella es una mujer trabajadora, responsable y visionaria. Gladis trabaja como empleada en una empresa cercana a su localidad y es así como se asegura de llevar el alimento a su hogar. Su deseo es mejorar las condiciones de la vivienda dado que el techo se encuentra en mal estado y ha decidido repararlo por lo que solicita este crédito a FUSAI para invertir en la compra de lámina galvanizada, madera y clavos para proceder lo antes posible a la mejora del techo y así dar mayor seguridad a su familia.

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
  • 499
    View loans »
    El Salvador Loans Fundraising
  • $31,356,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Gladis Isabel to buy galvanized sheets, wood, and nails in order to repair the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 22, 2014
Apr 17, 2014
Currency Exchange Loss:
Apr 17, 2015