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Elba, 32, has been employed as a Teacher at Mauricio Cajina School for the last five years. She is a single mother of two children who are 11 and 7 years of age. The oldest is in sixth grade and the youngest is in second grade in elementary school.

Elba is a woman who has fought so that her children lack nothing even though she gets no support from the children’s father. She makes sure to provide them with the basics. She is well liked by her students and their parents.

She is asking for her second loan to install metal grates on her house’s porch so that her children won’t go out into the street when she’s not home. This will also provide better security to her home.

It’s important to mention that this client has only worked with Afodenic. She does not have any loans any place else and she has met her monthly repayment obligations quite well.

Her dream is to provide the best for her children and to prepare them professionally.
View original language description ↓
Elba de 32 años de edad, labora como docente de primaria en la Escuela Mauricio Cajina desde hace 5 años, es madre soltera de 2 hijos de 11 y 7 añitos de edad, el mayor esta cursando su sexto grado de primaria y el menor estudia su segundo grado de educaciòn primaria, Elba es una mujer que ha luchado para que sus hijos no les falte nada a pesar que no recibe la ayuda del padre de sus hijos, les garantiza lo basico; es bien querida por sus alumnos y padres de familia. solicita su segundo crèdito para poner verjas al porche de la vivienda con el objetivo de que sus niños no se salguen a la calle cuando ella no se encuentre, tambien le va brindar mayor seguridad a su casa, es importante mencionar que esta clienta solamente ha trabajado con Afodenic, no tiene crèdito en ningun lugar y ha sido bien cumplida en el pago de sus cuotas mensuales.

Su mayor sueño es brindarles lo mejor a sus hijos y prepararlos profesionalmente.

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
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Elba to install metal grates on her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 23, 2010
Nov 3, 2010
Currency Exchange Loss:
May 15, 2012