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Ms. Celestina González is a 45-year-old woman who lives in the Laureles Norte neighborhood of the capital city of Managua. Her husband is a bricklayer, and they have three grown-up children. She started selling CD’s and DVD’s for a living two years ago with the help of loans. Her plan is to be able to finish building her house and make room partitions to give her family more privacy. She needs this loan so that she can build a wall, and for this, she will purchase building materials for the partitions. Her future goal is to be able to obtain an office space so that she can sell her high-quality movies. This business is profitable because she sells a lot of merchandise, so she hopes to increase her capital.
View original language description ↓
Doña Celestina González tiene 45 años de edad, reside en Laureles Norte en la capital de Managua, su esposo es albañil y tiene tres hijos mayores de edad, su negocio es la venta de cd y dvd, desde hace dos años que inicio con fondos de prestamos, sus planes es poder terminar de hacer su casa y hacer divisiones para poder tener privacidad con su familia. Este préstamo lo quiere para hacer un muro, para eso va a comprar materiales de construcción y hacer divisiones de cuarto. Sus metas a futuro es poder adquirir un local donde pueda ofrecer su venta de bonitas y buenas películas, este negocio es rentable ya que se vende mucho y espera aumentar su capital.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 20.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Celestina purchase building materials to make room partitions.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 28, 2009
May 6, 2009
Currency Exchange Loss:
Mar 15, 2010