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Rosa B. S. is 48 years old and lives in the Los Martínez neighborhood, located in the municipality of La Concepción. She lives with her husband, who works and helps with household activities. They have three children, all of which are now independent of them. Her plans for her family are to improve a grocery store that they have and, as a result, improve their living conditions. Rosa has worked in agriculture for the past 26 years. The biggest difficulty for her is the lack of financing. She began working in agriculture with the support of her father. Her future plan for her crops is to improve the yield. With this loan, Rosa will purchase fertilizers and supplies to be able to improve her crops. She thanks the lending institution for their support in these ten loan cycles, as it has helped her to make housing improvements and improve her crops.
View original language description ↓
La señora Rosa B. S. , tiene la edad de 48 años , habita en el barrio Los Martínez , ubicado en el municipio de La Concepción , junto a su esposo el cual trabaja y le apoya con las actividades del hogar , ellos tiene tres hijos ya todos independientes , los planes hacia su familia es mejorar una pulpería que tiene y por ende las condiciones de vida , doña Rosa desde hace 26 años se dedica a la agricultura la mayor dificultad que se le presenta es la falta de financiamiento , ella inicio esta actividad con el apoyo de su papá , los planes futuros hacia su cultivo es mejorar la producción . Con el préstamo va a comprar fertilizantes e insumos y poder seguir adelante con el cultivo. Da las gracias a la institución por el apoyo en estos diez ciclo el cual ha logrado hacer mejoras en su casa y en sus siembras.

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

  • $4,800
    Average annual income
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Rosa to purchase fertilizers to be able to improve her crop yield.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Aug 21, 2009
Sep 2, 2009
Currency Exchange Loss:
Mar 15, 2011