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Sofia, 60, lives in La Peña, Tecolostote-San Lorenzo, with her family, which is made up of her husband and four children, who are 16, 19 and 21 years old; all are students and help with household chores.

She has been a vegetable farmer for over 20 years. She sells her product to earn income tu support her family.

She is asking for her first loan to make some home improvements, specifically to build walls that will be half wood and half block because the house is currently all wood and the humidity is damaging it. She hopes to make these improvement to offer better security to her family. Her family support her in this effort because they all work together to get ahead and improve family life.
View original language description ↓
Doña Sofia de 60 años de edad habita en la Comarca La Peña, jurisdiccion de Tecolostote-San Lorenzo, junto a su familia compuesta por su esposo el Sr. Carlos Lopez con quien procreo 4 hijos, los que tienen la edad de 16, 19, 21 y años, los cuales estudian y ayudan con los quehaceres de la casa. Tiene mas de 20 años de trabajar en el campo sembrando hortalizas las cuales comercializa para el sustento familiar. Esta solicitando su 1er credito con el objetivo de mejorar su casa, levantando paredes minifalda (mitad pared y mitad madera), puesto que la casa es toda de madera y con la humedad se le esta dañando y desea hacer esto para brindar mayor seguridad a su familia. Cuenta con el apoyo de toda su familia para este proyecto, pues juntos trabajan para salir adelante y mejorar las condiciones de vida familiar.

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
  • $25,406,150
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Sofia to build three walls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 4, 2010
Feb 16, 2010
Currency Exchange Loss:
Mar 15, 2011