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Oneyda Marili
Oneyda is 23 years old. She lives in her own home with her 11 month old son and her mother. She earns a living by selling clothes and by doing domestic services. That is how she manages the household budget. Oneyda wants to repair the roof on her house before the winter comes. It is in poor condition and she wants to buy materials such as: galvanized sheeting. rods, and wood for which she is asking FUSAI for a loan, since she doesn't have the resources to pay for it herself.
View original language description ↓
Oneyda tiene 23 años de edad y habita en casa propia junto a su hijo de 11 mese y sus madre. Ella se gana la vida por medio de la venta de ropa y mediante la prestación de servicios domésticos. Es así como mantiene la economía de su hogar. Oneyda desea reparar el techo de la vivienda antes que el invierno llegue dado que se encuentra deteriorado y desea comparar materiales como: lámina galvanizada, polines y madera para lo cual solicita este crédito a FUSAI ya que no cuenta con los recursos económicos para hacer el desembolso.

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
  • 527
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Oneyda Marili to buy galvanized sheeting, rode and wood to repair the roof on her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 23, 2014
Jun 1, 2014
Currency Exchange Loss:
May 17, 2015