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Yelba Rosa
Mrs. Yelba Rosa M. is 48 years old, married, and has grown children. She lives in the La Luz neighborhood of Managua and sells naca-tamales and soups for a living. She is also the owner of a Taxi unit, which helps.

She plans to buy building materials with this loan so she can fix her roof so her home is in good condition for family. Her husband originally gave her money to start her business. He is an accountant with a private company. They would both like to improve their home and be able to enjoy the benefits of work.

She gets up early in the morning to make the dough and vegetables for her delicious tamales. She has many customers since they are so tasty and affordable.

She is grateful to this institution for giving her the opportunity to invest and make some home improvements. These opportunities are beneficial for all Nicaraguan citizens so they can fulfill their desires for their families in a satisfactory way. For various reasons many people are unable to have their own home and this causes a lot of anxiety. It this through these loans that we can get ahead.
View original language description ↓
La señora Yelba Rosa M. de 48 años de edad, casada, sus hijos son mayores de edad, reside en el barrio la Luz en la capital de Managua, su negocio es la venta de nacatamales, sopas, también es dueña de una unidad de Taxi el cual se ayuda. Con este crédito comprara materiales de construcción para reparar el techo de su casa y poder estar en las condiciones adecuada en su vivienda con su familia, cuando inicio su negocio lo hizo con dinero que su esposo dio, el trabaja de contador en una empresa privada, pues junto desean mejorar su casa y poder gozar de los beneficios de su trabajo. Desde horas tempranas se levanta para preparar la masa y verduras que lleva la preparación de los ricos nacatamales. Que son consumidos por muchos Nicaragüense, por su sabor y por su valor que es accesible. Da las gracias a la institución por dar la oportunidad de poder invertir, como hacer las mejoras a su vivienda que es un logro para cada ciudadano Nicaragüenses poder realizar los anhelos de un nivel de vida sastifecho para la familia. Ya que por condiciones diferentes muchos no lo gramos poder tener nuestra propia vivienda y es de mucha preocupación. Y a través de estos financiamientos podemos salir adelante.

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
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Yelba Rosa purchase building materials for home improvement.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 11, 2009
Sep 12, 2009
Currency Exchange Loss:
Sep 15, 2010