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Zabdi Maahrai
Zabdi is 27 years old and lives in her own house with her partner and their two children, ages 7 and 2. She is a very hard-working woman who does any work she can lay her hands on to give her family what they need. She has worked in a pupuseria (store selling filled corn tortillas) for four years and together with her partner maintains a home.

Zabdi wants to build a room to use as a kitchen and living room. She is asking for this loan from FUSAI to buy cement, sand, bricks, iron, and for labor so as to begin construction as soon as possible.
View original language description ↓
Zabdi tiene 27 años de edad y habita en casa propia junto a su compañero de vida y sus dos hijos de 7 años y 2 años de edad. Ella es una mujer muy trabajadora quien hace todo lo que este en sus manos para dar a su familia lo necesario. Ella trabaja en una pupuseria desde hace cuatro años y de esta forma junto a su compañero de vida mantienen la economía de su hogar. Zabdi desea construir un cuarto para adecuar la cocina y la sala para lo cual solicita este crédito a FUSAI para invertir en la compra de cemento, arena, ladrillo, hiero y para pago de mano de obra y así dar inicio a la construcción lo antes posible.

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
  • 515
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Zabdi Maahrai to buy cement, sand, bricks, and iron and pay for labor to build a room for use as kitchen and living room.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 28, 2014
Jun 30, 2014
Currency Exchange Loss:
Apr 25, 2016