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Ana  Celina
Ana Celina, 32, is a hard-working woman. She has three children, all of whom are in school. Together with her husband, she hopes to help them finish their studies. She and her husband rent out rooms. She used to sell prepared meals in a market. Her house has improved considerably thanks to the financing that Afodenic gives to low-income persons; it is the best way that one can prosper. She is very grateful to God because she has managed to improve her home providing both better security and hygiene for her little ones. This funding will be used to buy building materials like: sand, stone, cement and iron, to build a porch because it's just a mud wall. She wants to enclose it and plaster the walls so that her house will have a pleasant appearance. Later on, she plans to install flooring because it's currently a dirt floor; she hopes to do this in the short run with help from her husband and the institution.
View original language description ↓
Doña Ana Celina es una mujer muy esforzada y trabajadora, tiene 32 años de edad, procreo tres hijos, los tres estudiantes que junto con su esposo esperan poder apoyarlos para que logren terminar sus estudios. Su negocio es el Alquiler de cuartos que junto con su esposo administran, anteriormente se dedicaba a la venta de comida en un mercado, su casa ha mejorado grandemente gracias a los financiamiento que Afodenic a dado pues para personas de poco recursos económico es el mejor medio de poder prosperar, muy agradecida con Dios por que ha logrado tener su casa en mejores condiciones, y mejor seguridad para sus pequeños hijos así como mejor higiene. Con este préstamo seguirá invirtiendo en la compra de materiales de construcción como: piedra, arena, cemento, hierro para hacer un porche, ya tiene un bajarete, y quiere cerrarlo y repellar las paredes para que se le mire bonita su casa. Sus planes es ponerle piso después ya que es de tierra el cual espera lograrlo a corto plazo con el apoyo de su esposo como el de la institución.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ana Celina to buy stone, sand, cement and iron to build a porch.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 20, 2010
Jan 25, 2010
Currency Exchange Loss:
Feb 15, 2011