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Manuela Isabel
Ms. Manuela is a fighter who has stood out in tortilla sales. Bright and early she rises to begin grinding corn, since at night she leaves it to cook. She then starts her day like every other, making her hot and tasty tortillas that she sells to be consumed by Nicaraguans; tortillas are a large part of the diet. She's 39 years old, residing in the Enrique Bermúdez neighborhood. She has two kids, ages 9 and 14, that are in grade school. Her husband is supervisor of security services. She started selling tortillas with her own money to help her husband cover the daily costs. With this loan she wants to buy construction materials to build a room to have better living conditions for her family. Her plans are to be able to continue offering her products to other customers to increase her sales.
View original language description ↓
La señora Manuela es una mujer luchadora que ha sobresalido en las ventas de tortilla desde horas muy tempranas se levanta para ir a moler el maíz ya que por las noche lo deja nesquizado, luego comienza su jornada como todo los día a palmear sus ricas y calientes tortilla que son vendidas y consumidas por los Nicaragüense es uno de los alimentos que se consume mucho. Ella tiene 39 años de edad, reside en el barrio Enrique Bermúdez, tiene dos hijos de 9 y14 años de edad, que cursan la primaria, su esposo es supervisor de servicios de seguridad. Ella inicio con la venta de tortilla con dinero propio para apoyar a su esposo para cubrir las necesidades diarias, con este crédito quiere comprar materiales de construcción para hacer un cuarto y poder estar en mejores condiciones con su familia. Sus planes es poder seguir ofreciendo sus productos a otros clientes para poder aumentar sus ventas.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.

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 Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 20.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Manuela Isabel to buy construction materials for building a room.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 14, 2009
Apr 16, 2009
Currency Exchange Loss:
Mar 15, 2010