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Maria Magdalena
Marìa Magdalena is 40 years old, with 2 grown daughters who work and study. They cover their own personal expenses and pay their own bills, so Doña Magdalena only has to cover her own expenses. For 19 years, she has worked as a secondary school teacher at the Francisco Aaron Joce School every weekend. She also works Monday through Friday for the Nueva Guinea town hall as the person responsible for the Casa de la Adolescencia [Adolescents' House].

She is a very hardworking woman who likes progress and being able to help her lovely family. She also has economic support from her life partner. They both share the bills and basic household expenses. She has previously benefited from financing from Kiva, which she is grateful for, since this is how she was able to plaster her house. Now she is trying to continue improving her home, so she again requests Kiva's help with another loan. She needs the money to pay a builder who is making improvements to her house and to buy zinc metal sheeting which she lacks. Her dream is for her daughters to have their own homes in good condition.
View original language description ↓
Marìa Magdalena de 40 años de edad, con dos hijas mayores de edad las cuales trabajan y estudian ellas asumen sus gastos personales y compromisos de pagos, por lo que doña Magdalena solo asume sus propios gastos, labora como docente de secundaria en la Escuela Francisco Aaaron Joce desde hace 19 años todos los fines de semana, ademàs trabaja para la Alcaldia de Nueva Guinea los dias de Lunes a Viernes como responsables de la Casa de la Adoslecencia es una mujer bien trabajadora que le gusta el progreso y asi ayudar a su linda familia, ella cuenta con la ayuda aconòmica de su compañero de vida ambos asumen los compromisos adquiridos y los gastos basicos del hogar, ya ha sido beneficiada anteriormente con financiamiento de Kiva a quien agradece, pues pudo repellar su casa con este credito.

A la vez pretende seguir mejorando su vivienda; por lo que solicita nuevamente el apoyo de Kiva con otro credito que requiere para pagar la mano de obra de un albañil que le está realizando mejoras en su vivienda y para comprar un zinx que le hace falta.
Su sueño es que sus hijas tengan su propia vivienda en buenas condiciones.

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
  • $25,406,150
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Maria Magdalena to pay for home improvement work and to buy zinc metal sheeting to put on her house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Mar 15, 2013