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Reyna Isabel
Doña Reyna is 39 years old and a hardworking woman. Since her youth, she has had to help her parents by working because her family had few financial resources. Reyna has two children who are in school. Her business involves selling tortillas, curds, and pork. On the weekends, she prepares soup in order to earn extra income. When she first started, Reyna was a traveling merchant through the capital of Managua. She attracted many customers who now buy her flavorful tortillas.

Being a single mother is not easy for Reyna, but with great effort she has been able to support her two children. She wants them to study so that they can have better working opportunities in life. Her house is made of blocks and boards, but it lacks plaster on the walls and tiles on the floor because at the moment there is only dirt. Reyna will build the kitchen and make other improvements gradually using the loans from AFODENIC. Her financial condition provides little available income, so she is making improvements for her family’s welfare in phases.

View original language description ↓
Doña Reyna tiene la edad de 39 años, mujer trabajadora desde su juventud ayudaba a sus padres a trabajar ya que dependían de familia de poco recurso económico, procreo dos hijos, estudiantes, su negocio es la venta de tortilla y cuajada, cerdo y los fines de semana hace sopa, para lograr mejores ingresos, cuando inicio lo hizo de forma ambulante por la capital de Managua, y así hizo mucha clientela el cual hasta ahora le compran sus ricas tortillas. Para ella no ha sido fácil ya que es madre soltera, y con mucho esfuerzo ha logrado mantener a sus dos hijos el cual desea que estudien para que tengan mejores oportunidad de trabajo en la vida. Su casa es bloque y tablas aun falta el repello de pared, hacer embaldosado ya que es de tierra, hacer la cocina y otras mejoras que poco a poco ha logrado hacer con los financiamiento que Afodenic a dado pero por su condición de disponibilidad de ingreso le prestan poco, el cual va haciendo las mejores para el bienestar de su familia en fases.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Reyna Isabel purchase construction materials to install a tile floor.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 4, 2010
Mar 12, 2010
Currency Exchange Loss:
Jan 19, 2011