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Eva América
Eva is 40 years old, married, and has five minor children (ages 15, 11, 10, 7, and 2). Her husband works as a security guard in the residential neighborhood. Eva sells minuta (shaved ice to which she adds different fruit flavors, pineapple jelly, tamarind, and other fruit). She makes her sales Monday through Friday and sets up at the entrance to a public school in the settlement where she lives. The walls to her humble home are made of old metal and it’s very deteriorated, so Eva is asking for a loan through FUSAI to build cinder block walls to replace the metal, which doesn’t provide any security for her family. She will use the money to buy 10x20x40cm blocks, iron bars, cement, sand, and other necessary materials to build the walls.
View original language description ↓
Eva de 40 años de edad está casada y tienen 5 hijos todos menores de edad (15, 11, 10, 7 y 2 años de edad). Su esposo trabaja de seguridad en una colonia Residencial. Eva se dedica a vender minuta (hielo raspado que se le agrega diferentes sabores de fruta y jalea de piña, tamarindo u otra fruta). La venta la realiza de lunes a viernes ubicándose en la entrada de una escuela pública del cantón de donde vive. Las paredes de su humilde vivienda es de lámina vieja y muy deteriorada; por lo que Eva ha solicitado un crédito a FUSAI para comenzar a levantar paredes de Bloque de concreto sustituyendo la lámina existente que no presenta ninguna seguridad para su familia. Ella invertirá el dinero en la compra de bloque de 10x20x40cms, hierro, cemento, arena y otros materiales necesarios para levantar paredes de su vivienda.

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
  • 490
    View loans »
    El Salvador Loans Fundraising
  • $31,341,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Eva América to build walls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 22, 2014
Jun 3, 2014
Currency Exchange Loss:
May 17, 2015