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Ruth Samary
Ruth Samary is 28 years old, single, and has a 4½ year old child. She has been working as a teacher at the Alfonso Cortes School in Nueva Guinea for eight years. Ruth is requesting her fourth loan so that she can buy construction materials to install a floor and whitewash a room so that her home will be more comfortable. Her partner works on her parents’ farm and helps with the family expenses.

Her previous loan was used to build a room. This is the second time she has used a loan to make improvements to her home. Ruth expresses that she is very grateful for the support provided by the Kiva funds. Her dreams for the future are to continue improving gradually her family’s living conditions and continue her studies so that she can become a better professional.

View original language description ↓
Ruth Samary de 28 años de edad, es soltera labora como docente de la Escuela Alfonso Cortes de Nueva Guinea desde hace 8 años, tiene una bebe de 4 años y seis meses,esta solicitando su 4to crèdito para comprar mareiales de construcciòn y lograr repellar y hecarle el piso a una habitaciòn, para asi tener mejor comodidad en el hogar, su compañero de vida labora como agricultor en la finca de sus padres y le ayuda con los gastos familiares, con el credito anterior logro construir una habitacion, este es el segundo credito que tramita para mejoras de vivienda y expresa que se siente muy agradecida por el apoyo brindado por el fondo kiva, su sueño para el futuro es seguri mejorando poco a poco las condicones de vida de su familia y seguri estudiando para ser una mejor profesional.

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
  • $25,383,750
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Ruth Samary purchase materials to install a floor and whitewash a room.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 16, 2010
Mar 22, 2010
Currency Exchange Loss:
Apr 15, 2012