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Senovia is asking for her 8th loan in order to invest in improving her manner of living (constructing a room). She has worked as a docent in the Diriangen School for 20 years. This client has two children. The eldest is 17 years old, or of school age, and is in his fifth year of secondary education. The younger daughter is 14 years old, and she is in her third year of secondary education. This client is known for being responsible, honest, and hardworking. Her husband is a businessmen who travels to the area of the Municipality Nueva Guinea to buy livestock with a brother. They share the family’s household expenses, and they are a family of few resources but they are very tight-knit. This loan would be repaid in two years and so little by little to go on improving their home. They live in the area San Antonio in a neighbourhood where each day the population is increasing. Her dream is to go on improving her home with each loan that they get with AFODENIC, to have work stability, health, and that her children continue studying so that they may do something with their lives.
View original language description ↓
Senovia está solicitando su 8vo refinanciamiento para invertirlo en mejora de su vivienda (Construcción de una habitación), trabaja como docente en la Escuela Diriangen desde hace 20 años, esta clienta tiene 2 hijos, el mayor de 17 años de edad estudia su quinto año de Educación secundaria y la hija menor de 14 años estudia su tercer año de Educación secundaria, esta clienta se ha destacado por ser responsable , honesta, trabajadora, su esposo es comerciante el cual viaja a las colonias del Municipio de Nueva Guinea a comprar ganado con un hermano, ambos comparten los gastos familiares del hogar ya que son una familia de escasos recursos económicos pero bien unida, este prestamo lo piensa pagar en 2 años y así poco a poco ir mejorando su vivienda, viven en la colonia San Antonio en un barrio donde cada día se va aumentando la población , su sueño es ir mejorando la vivienda con cada crédito que estos van adquiriendo con AFODENIC, tener estabilidad laboral, salud y que su hijos sigan estudiando para que lleguen hacer alguien en la vida.

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 Nicaragua

  • $3,636
    Average annual income
  • 97
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,075
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Senovia to build a room.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jul 31, 2009
Aug 13, 2009
Currency Exchange Loss:
Jul 15, 2011