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Zoila Albina
Sra. Zoila Ortiz is a 48 year old hardworking single mother who lives in the neighborhood annex of Villa Venezuela. She has an 18 year old son. With her savings and the help of a loan, Sra. Zoila started a cafeteria at the local high school and has been in business now for 10 years. Ever since she received permission from the school to start her business, she has been experiencing good sales and the students and faculty are pleased with her service.

With the help of AFODENIC, she has managed to increase the inventory for her business. For her third loan cycle, she is requesting to buy construction materials so that she can make improvements to her home that she and her family will be able to enjoy. She hopes to encourage her son to become a professional so that he will be able to live in better conditions.

View original language description ↓
La señora Zoila Ortiz de 48 años de edad, reside en el barrio anexo Villa Venezuela, tiene un hijo de 18 años de edad, madre soltera y trabajadora, logro tener su propio negocio el cual comenzó con un poco de ahorros y con préstamo,, logro tener un cafetín en el colegio lleva diez años administrándolo, para esto metió una carta de solicitud al colegio para que le permitieran estar con su cafetín lo que logro positivo a si como las ventas son buenas ya que siempre están los alumnos como maestros se siente contenta hasta hoy y con el apoyo de Afodenic ha logrado para incrementar su inventario es su tercer ciclo, el cual comprara materiales de construcción para hacer mejoras a su casa y poder gozar junto con su familia. sus planes es poder ayudar a su hijo que sea profesional para que goce de mejores condiciones.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Zoila Albina purchase construction materials for home improvements.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 18, 2009
Sep 1, 2009
Currency Exchange Loss:
Feb 15, 2010