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Josia Elieser
Josia is 33 years old and lives in a house that he owns with his partner and their three children, aged twelve, ten and seven years old respectively. Josia works in an ironmongery and earns a living through this job. With his partner, the couple is able to support the household.

In order to improve his living conditions, Josia has decided to apply for a loan from "FUSAI" to invest in repairing the roof of his home. To do this, he needs to buy materials such as galvanised metal sheeting, nails and purlins. Josia does not have the money to spend on this work and hopes to receive this loan.
View original language description ↓
Josia tiene 33 años de edad y habita en casa propia junto a su compañera de vida y sus tres hijos de 12 años, 10 años y 7 años de edad. Josia trabaja como empleado en un taller de estructuras metálicas y de esta forma es como se gana la vida y junto a su compañera de vida mantienen la economía del hogar. Con el fin de mejorar sus condiciones de vida ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la reparación del techo de la vivienda para lo cual necesita comprar materiales como: lámina galvanizada, clavos y polines. No cuenta con el capital para hacer el desembolso por lo que espera este poder obtener el financiamiento.

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
  • 549
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Josia Elieser to buy galvanised metal sheeting, nails, and purlins to repair the roof of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 23, 2014
Apr 21, 2014
Currency Exchange Loss:
May 17, 2015