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Zeyla Rosa
Zeyla Rosa, who is 29 years old, lives with her family, which consists of her husband Eddy and their two children, a son who is 10 and a daughter who is 7. Both children are in primary school. Zeyla has worked as a primary teacher in the Leopoldina Castrillo school for 7 years. In addition, she sells Zermat cosmetics to obtain additional income that allows her to offer greater comfort to her family.

She is applying for her third loan with the goal of improving her house by constructing a room. She already has some of the materials (quarry stone and sand), and with the loan she would complete the purchase of cement, iron, zinc, and labor to finish the construction.

Her greatest dream is to be able to offer her children a worthy home and, in addition, that they study and become respectable adults.
View original language description ↓
Zeyla Rosa de29 años de edad habita junto a su familia compuesta por su esposo Eddy y sus 2 hijos: el varón de 10 años y la niña de 7, ambos estudiando la primaria. Zeyla trabaja como docente de primaria en la Escuela Leopoldina Castrillo desde hace 7 años, además se dedica a la venta de cosméticos zermat para obtener ingresos adicionales que le permitan brindarle mayor comodidad a su familia.

Esta solicitando su 3er crédito con el objetivo de mejorar su vivienda construyendo un cuarto, ya cuenta con una parte de los materiales (piedra cantera y arena), y con el crédito terminaría de comprar el cemento hierro zinc y mano de obra para finalizar la construcción.

El mayor sueño que tiene es poder brindarle a sus hijos una vivienda digna y ademas estudien y sean personas de bien.

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
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,535,925
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Zeyla Rosa construct a room.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 26, 2010
Oct 1, 2010
Currency Exchange Loss:
Aug 15, 2011