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Jackelin is 25 years old, single, and has no responsibilities. She lives in her parents' home and, together with her parents, she covers the household expenses. Jackelin has been working as a teacher at Rafaela Herrera school (a rural school) for 5 years. She does her job with great responsibility and honesty. Jackelin is a thrifty and very hard-working woman who strives to obtain what she wants through her own effort. She has taken loans from Afodenic in order to achieve her goals. She has bought her own electrical appliances and helped her parents in whatever ways she could.

Jackelin needs her fourth loan, for which she is requesting Kiva's support, in order to buy building materials so that she can gradually improve her home. Her dream is to finish her university studies and thereby help her beautiful, humble family.
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Jackelin de 25 años de edad, soltera, no tiene responsabilidades, en conjunto con sus padres asumen los gastos del hogar, vive en casa de ellos, Jackelin labora como docente del Nerpe Rafaela Herrera desde hace 5 años desempeñandose con gran responsabilidad y honestidad, se caracteriza por ser economica y muy trabajadora, lucha por lograr obtener sus bienes con su esfuerzo, pues ha venid obteniendo creditos mediante Afodenic para lograr sus objetivos de ir comprando sus propios electrodomesticos y ayudarle a sus padres en lo que pueda.

Requiere su 4to credito lo cual solicita el apoyo de Kiva para comprar materiales de construcciòn y asi poco a poco ir mejorando la vivienda,

Su sueño es culminar sus estudios universitarios y asi ayudar a su linda familia ya que son bien humilde.

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
  • 132
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Jacquelin to buy building supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Sep 18, 2012