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Jose Oscar
José is 58 years old and lives with his wife in his own house. José is a hard-working man who makes a living making and selling bricks. He has had this business for 40 years and so he has a lot of customers who increasingly prefer him. His brick-making business is his main source of income and enables him to provide for the household finances.

José has decided to ask FUSAI for a loan because he wants to invest in his business to provide a better service and reach more customers. He will use the sum requested to buy clay,earth and other supplies for making the bricks.
View original language description ↓
José tiene 58 años de edad y habita ne casa propia junto a su esposa. José es un hombre trabajador quien se dedica a la fabricación y venta de ladrillo. Tiene 40 años de contar con dicho negocio por lo que ya cuenta con muchos clientes que cada día lo prefieren más. Su negocio de fabricación de ladrillo es su principal fuente de ingresos y es lo que le permite mantener la economía del hogar. José ha tomado la decisión de solicitar este crédito a FUSAI dado que desea invertir en su negocio con la finalidad de brindar un mejor servicio y llegar a más clientes. Con el monto solicitado comprará: barro, tierra, y de mas insumos para la fabricación de los ladrillos.

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 El Salvador

  • $7,500
    Average annual income
  • 678
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Jose Oscar to buy clay, earth and other supplies for making bricks.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 29, 2014
Jun 10, 2014
Currency Exchange Loss:
Feb 20, 2015