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Yanira Lizeth
Yanira is 29 years old and is the single mother of 3 children who live with her in her own house. Yanira works as an employee in a business close to her home which allows her to earn the sustenance for her family. She has taken the decision to request a loan from FUSAI given that she wants to finish construction on a room that for want of financial resources she has not managed to complete. With the amount requested she will buy cement, sand, brick, re-bar and laminate.
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Yanira tiene 29 años de edad y es madre soltera de tres hijos quienes viven con ella en casa propia. Yanira trabaja como empleada en una empresa cercana a su localidad lo cual le permite llevar el sustento diario a su familia. Ella ha tomado la decisión de solicitar este crédito a FUSAI dado que desea terminar de construir un cuarto que por falta de recursos económicos no ha logrado terminar. Con el monto solicitado comprará cemento, arena, ladrillo, hierro y lámina.

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
  • 539
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Yanira Lizeth to buy cement, sand, brick, re-bar and laminate to finish building a room.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 30, 2014
Jul 7, 2014
Currency Exchange Loss:
Oct 17, 2015