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Keren Kesia
Keren is 28 years old and has worked as domestic help for two years. Keren is a very hard-working woman and is committed to her family. She lives in her own house, along with her husband and their two children, who are 11 and 12.

Keren and her husband began their house with a brick foundation some time ago, but due to lack of economic resources, they have not been able to finish it. For this reason, they are requesting this loan from FUSAI to invest in the purchase of brick, cement, sand, and iron to finish the house.
View original language description ↓
Keren tiene 28 años de edad y trabaja como empleada doméstica desde hace dos años. Keren es una mujer muy trabajadora y comprometida con su familia. Ella habita en casa propia junto a su esposo y sus dos hijos de 11 y 12 años de edad. Keren y su esposo dieron inicio a su vivienda a base de ladrillo hace algún tiempo y por falta de recursos económicos no la han logrado terminar. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de ladrillo, cemento, arena y hierro para terminar la 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
  • 456
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Keren Kesia to purchase brick, cement, sand, and iron to finish her house.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 9, 2014
Currency Exchange Loss:
Jul 9, 2014