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Elena Aurora
Elena is 53 years old, has a home of her own and lives with her son and daughter in law. Elena has been selling beauty products via catalog and clothing on foot in her town. The walls in Elena’s home are currently made of galvanized metal and are deteriorated. Elena is asking for this loan through FUSAI to replace the walls with concrete block walls. She will use the money to buy concrete blocks, cement, iron bars, sand, and gravel. She hopes to begin the work soon.
View original language description ↓
Elena de 53 años de edad tiene casa propia y vive con su hijo y su nuera. Elena tiene varios años de vender productos de belleza por catálogo y ropa, labor que hace de forma ambulante en el municipio de donde habita. Las paredes de la vivienda de Elena actualmente son de lámina galvanizada y están deterioradas. Elena ha solicitado un crédito a FUSAI para sustituir las paredes de lámina y construirlas de bloque de concreto. Con el dinero comprará el bloque de concreto, cemento, hierro, arena, grava. Espera pronto iniciar con los trabajos.

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
  • 564
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

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