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Mrs. Senovia, age 42, is single and has worked as a teacher for 20 years. She is requesting her ninth loan to build a room and thus have better conditions in her home. She counts on the support of her partner, who works on a small family farm to help with the household costs. Senovia is very beloved in her community because she always demonstrates great dedication and responsibility in her work and her commitments. Her greatest dream in life is for her beautiful family to have good health and stability in their jobs in order to continue improving their familial quality of life, for which they work very hard.
View original language description ↓
Doña Senovia de 42 años de edad es soltera, trabaja como docente desde hace 20 años, está solicitando su 9no crèdito para construir una habitaciòn y de esta manera tener mejores condiciones en su hogar, cuenta con el apoyo de su compañero de vida quien se dedica a trabajar en una pequeña finca familiar aportando con los gastos del hogar. Es muy querida en su comunidad por demostrar siempre mucha dedicaciòn y responsabilidad en su trabajo y compromisos adquiridos. Su mayor sueño en la vida es que su linda familia goze de buena salud y tener estabilidad laboral para continuar mejorando las condiciones de vida de su familia que es por quien trabaja tanto.

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
  • 133
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Senovia to build a room.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 20, 2011
Aug 29, 2011
Currency Exchange Loss:
Sep 18, 2013