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Maria Ofelia
Ofelia is 36 years old and lives with her mother and four children. One of her children is grown while the others are 17, 15 and 13 years old. Her grandson also lives with them. She is an entrepreneurial woman who makes a living selling fruits and vegetables. She has also been selling sweet bread and cookies as a street vendor for 18 years. Ofelia wants to repair the patio roof of her home. As shown in the photograph, the roof is in poor condition. For this reason she requests a loan from FUSAI to buy zinc-coated steel sheets and wood, and to pay for manual labor to repair the roof of her home.
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Ofelia de 36 años de edad vive con su madre, 4 hijos una mayor de edad y 3 de 17, 15 y 13 años de edad, además vive con ellos su nieto. Ella es una mujer emprendedora que se gana la vida con la venta de frutas y verduras, también vende marquesote y salpores de manera ambulante desde hace 18 años. Ofelia desea reparar el techo del patio de su vivienda ya que como se puede observar en la fotografía este se encuentra en malas condiciones por lo que solicita a FUSAI un crédito para comprar lámina galvanizada, madera y pagará mano de obra para la reparación del techo de su 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
  • 588
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Maria Ofelia to buy zinc-coated steel sheets and wood, and to pay for manual labor to repair the roof of her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 2, 2014
Jul 31, 2014
Currency Exchange Loss:
Dec 17, 2015