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María Esperanza
María is 46 and lives in her own home along with her husband and two adolescent children. She has installed in her home a small grocery shop where she sells items such as sugar, rice, and beans, as well as different types of candies and sodas. With the earnings from her sales, she has been able to get ahead and support her husband who works as a bricklayer.

She has sought a loan through FUSAI in order to continue the construction of a retaining wall. (The photo shows her progress so far.) In order to do this she needs to purchase concrete blocks, cement, steel, sand and gravel. Once the wall is finished, it will keep her property from continuing to erode. It will also give her more room to allow for future expansion of her shop.
View original language description ↓
María de 46 años de edad habita en casa propia al lado de su esposo y dos hijos adolescentes. María ha instalado en su vivienda una pequeña tienda de productos de la canasta básica como; azúcar, arroz, frijoles además vende diferente tipo de golosinas y bebidas gaseosas. Con la ganancia de sus ventas, María ha podido salir adelante y apoyar a su esposo quien trabaja como albañil. María ha solicitado un crédito a FUSAI para continuar con la construcción de un muro de contención (en la fotografía se ve el avance del muro), para eso necesita comprar bloque de concreto, cemento, hierro, arena y grava. Al finalizar la construcción del muro evitará que el terreno de su propiedad se siga erosionando, además ganará más espacio que podrá ocupar para futura ampliación 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
  • 704
    View loans »
    El Salvador Loans Fundraising
  • $29,661,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped María Esperanza to purchase concrete blocks, cement, steel, sand and gravel to continue building her retaining wall.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 25, 2014
Jun 4, 2014
Currency Exchange Loss:
Jul 4, 2014