Maira Vanesa Moran Chavarria

Maria Vanesa lives in the #5 area of New Guinea. She is married and has two children. Her oldest is ten years old and in the fourth grade while her youngest son is four years old and in pre-school. Her husband works as a taxi driver and she helps him with the household bills.

She wants to refinance her eighth loan to do some home improvements. She would like to put a floor in the bedroom and finish plastering. She has been the person in charge of the Womens’ House’s pharmacy for eleven years. She is an experienced pharmacy professional and has experience attending the farm-women from the outer areas that come to stay when they are ready to give birth. She is a humble and responsible woman who wants to continue studying.

Maria Vanesa is grateful to AFODENIC since she has been able to make improvements to her home with former loans. She has also been able to buy the appliances she has in her home. Her dream is have a nice house, and to work, so she can help her kids get ahead. She also wants her children to study so they can be good men.

Translated from Spanish by Shelly Hubman, Kiva Volunteer

Maira Vanesa vive en la zona # 5 de Nueva Guinea, es casada y tiene 2 hijos, el mayor de 10 años de edad estudia su cuarto grado de Educación primaria y el niño menor de 4 añitos en pre-escolar, su esposo trabaja como taxista y le ayuda con los gastos del hogar, está solicitando refinanciamiento de su 8vo crédito para invertirlo en mejora de su vivienda para echarle el piso a la habitacion y terminar de repellar, trabaja como Responsable de la Farmacia de la casa de la mujer desde hace 11 años, es una profesional con mucha experiencia en farmacia y en dar atencion mujeres campesinas de las comarcas que se hospedan cuando vienen a dar a luz a sus bebes, se caracterizapor ser una mujer humilde, responsable con muchos deseos de seguir estudiando. Se siente agradecida con la Institución de AFODENIC ya que con los créditos anteriores ha mejorado su vivienda y ha logrado comprar todos los electrodomesticos que ella tiene en su hogar , su sueño es tener una vivienda bonita y trabajo para así sacar a sus hijos adelante y que sus hijos estudien para que sean hombre de bien.


Important Information About This Loan
Kiva recently posted a message regarding the “No Pago” movement in Nicaragua (a movement for non-payment of loans). This movement, supported mostly by farmers of the north of Nicaragua with ties to the left-wing party in Nicaragua, has been organizing protests and had submitted a law to the government to create a moratorium on debt repayment. Initially it was unclear whether this law would pass, which would have had severe effects on the banking and microfinance industry in Nicaragua. However in the last month the executive branch rejected the law in its current form. The No Pago movement still exists but seems to have lost some steam. There is still a possibility that a law encouraging more restructuring of loans could pass next year, and microfinance institutions are voluntarily restructuring loans to delinquent borrowers, still increasing risk of lending in Nicaragua. However indications are that the situation is less dramatic than before.


About Housing Loans
Many poor families are financially unable to purchase a house that meets their needs. Housing loans funded on Kiva give families access to capital to improve their homes and an opportunity to pay loans back at a pace that they can handle. The housing and small business loans featured on Kiva share a common purpose: they alleviate conditions of poverty and enable families to lead more stable lives. Learn more

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