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Maria De Jesus
Mrs. Maria de Jesus C. is a 47-year-old single mother of 6 older children who work and help her with her small business, in which she sells coffee, bread, and food. She has done this for 26 years and has managed to build up a clientele. She began with loans and her objective has been to improve her house in order to have a decent place to live. She lives in a neighborhood in the outlying area of the city, where there is contaminated water, which is troubling since each family has to pay expenses to make their own drain and be able to be in hygenic conditions. Her plans are to expand her business and sell more. With this credit she will purchase zinc in order to change out a bad sheet on her roof. She does not want to suffer through another winter this way, since she has to move her things so they don't get ruined. Also, she will buy ceramics to put in the living room and improve the conditions, all thanks to the financing of Afodenic, which makes possible the dreams of every Nicaraguan family.
View original language description ↓
La señora Maria de Jesús C. de 47 años de edad, es madre soltera de 6 hijos mayores los cuales trabajan y le ayudan su pequeño negocio es la venta de café, pan, comida, y tiene 26 años vendiendo, y ha logrado tener su clientela, comenzó con préstamos y su objetivo ha sido mejorar su casa para tener una casa digna. Vive en barrio marginal donde hay aguas negras, preocupante ya que cada familia tiene que pagar los gastos para hacer su sumidero y poder estar en condiciones higiénicas, sus planes es poder ampliar su negocio, vender mas. Con este crédito comprara zinc para cambiar una hoja mala que tiene en el techo y no quiere sufrir otro invierno más ya que tiene que mover sus cosa para que no se frieguen, también comprara cerámica para poner en la sala y poder estar en condiciones mejores todo esto gracias a los financiamiento de Afodenic que da las gracias por hacer posible los sueños de cada familia Nicaragüense

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
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Maria De Jesus to purchase zinc to replace some sheets on her roof and ceramics to put in her living room.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 28, 2009
Nov 4, 2009
Currency Exchange Loss:
Dec 15, 2010