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Cristina Marín is a resident of the Verdún suburb in the city of New Guinea, is 53 years old, and has 26 years experience working for the Ministry of Education as a teacher for the Alfonso Cortez college. This client has demonstrated an excellent loan record with all her loans that AFODENIC has granted her and she is a hard-working woman, careful in her work while getting her family ahead even though life has put obstacles in her path but is now fighting to improve her living conditions.

She is requesting her eleventh loan to invest it in improving her home and have better conditions for herself. Her greatest dream in life is that her daughters continue studying so that they can be good people.
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Cristina Marín habitante colonia Verdún en la Ciudad de Nueva Guinea, de 53 años de edad y con 26 años de laborar para el Ministerio de Educación como docente del colegio Alfonso Cortéz, esta clienta ha demostrado excelente record crediticio en todos los créditos que AFODENIC le ha otorgado, y es una mujer luchadora y esmerada en su trabajo a la vez ha sacado adelante a su familia aunque con algunas trancas que le pone la vida pero ahi va luchando para mejorar sus condiciones de vida.

Solicita su onceavo crédito para invertirlo en mejora de sus vivienda y tener mejores condiciones en la misma. Su mayor sueño en la vida es que sus hijas sigan estudiando para que 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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,065,800
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Cristina home repairs.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 30, 2010
Jan 1, 2011
Currency Exchange Loss:
Jan 15, 2012