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Ofelia Buenaventura
Ofelia is 50 years old and lives with her two children who are 19 and 17 years old. She is an entrepreneurial woman who makes a living as a fruit vendor, which she has done on a traveling basis for 25 years at the central market. Her husband had to emigrate abroad to try to give her and her children a better quality of life.

Ofelia wants to build a pathway with stairs to reach her home because, as seen in the picture, it is currently inaccessible. She is requesting a loan from FUSAI to buy sand, gravel, and cement, and to pay laborers to repair the access road to her residence.
View original language description ↓
Ofelia de 50 años de edad vive con sus 2 hijos de 19 y 17 años de edad. Ella es una mujer emprendedora que se gana la vida como vendedora de fruta, actividad que realiza de forma ambulante desde hace 25 años en el mercado central. Su esposo tuvo que emigrar al extranjero para tratar de darles una mejor calidad de vida a ella y sus hijos. Ofelia desea construir un camino con gradas para llegar a su vivienda ya que como se observa en la fotografía el actual es inaccesible. Por lo que solicita a FUSAI un crédito para comprar: arena, grava y cemento, además deberá pagar mano de obra necesaria para reparar el camino de acceso a su residencia en el cual construirá gradas.

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
  • 681
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $450 helped Ofelia Buenaventura buy sand, gravel, and cement, and to pay laborers to repair the access road to her home.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 11, 2014
Aug 11, 2014
Currency Exchange Loss:
Sep 10, 2014