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Silvia Lorena
Silvia, who is 36 years old, is an enterprising person. She has two children and lives in her own house. Silvia works as secretary for a private enterprise. What she earns at work covers some of the costs for her home. She wants to improve the home, but with what she earns doesn't have enough money. For this reason she is seeking a loan to buy metal sheeting, iron, window grates and to pay for labor to mount a door and windows, so that her family can live with greater security.
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Silvia de 36 años de edad es una persona emprendedora, tiene dos hijos y vive en casa propia, ella trabaja como secretaria en una empresa privada, con lo que obtiene de su trabajo logra cubrir algunos gastos de su hogar, ella quiere mejorar su vivienda pero con lo que gana no le alcanza para realizarlo, por esa razón solicita un crédito para comprar lamina, hierro, balcones, y pago de mano de obra, para poder colocar las puertas y ventanas y asi ella y su familia puedan vivir seguros.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

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
  • 521
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Silvia Lorena to buy metal sheeting, iron, window grates and pay for labor.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Jun 25, 2014
Jul 9, 2014
Currency Exchange Loss:
Aug 8, 2014