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Maria is 55 years old. She is the mother of eight children, seven of whom are married and independent. She has a 13 year old girl who is in secondary school. She currently works as a domestic worker, which she has done for many years. This is how she managed to build her house, next to her ex-partner.

This is her second loan with Afodenic. Her goal is to build a bathroom with a toilet. It is currently build of plastic sheeting and old bags. She had not made a change because she didn’t have the capital, due to the fact that she must share in the cost of food, basic expenses, education, transportation, and she is out of money at the end of each month. She has been a single mother for many years.

However, she and her children are working hard to make this improvement since it is a huge necessity for better hygiene; when it rains, it is a bad situation. For this reason she will buy a toilet, cement blocks, sand, cement, re-bar, pipes for wastewater, glue, and other products. She will finish the project in order provide improved comfort and cleanliness for her family.
View original language description ↓
Doña Maria tiene la edad de 55 años, madre de ocho hijos, siete casados e independiente, y una niña de 13 años que estudia la secundaria, hoy en dia su trabajo es de domestica, el cual ha venido desempeñando por largos años, asi mismo logro la construccion de su casa, junto a su excompañero.
Este es su segundo credito en Afodenic, en donde su objetivo es la construcion de baño e inodoro, siendo de plastico y saco, cambio que no habia hecho por falta de capital, ya que tiene que complementar la alimentacion, gastos basicos, educacion, transporte, y sale alcansada cada mes. Ya que por muchos años ha sido madre soltera.
Pero sus hijos y ella se estan esforzando para hacer esta mejora, ya que es de gran necesidad para una mejor higiene de salud, ya que cuando llueve se ve fea la situacion. Es por tal razon comprara, inodoro, mas bloques, arena, cemento, hierro y tubos para aguas negras, pegamento entre otros productos. Para terminar la obra, que vendra ah dar mas comodidad, y limpieza a su familia.

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
  • 131
    View loans »
    Nicaragua Loans Fundraising
  • $24,575,325
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Maria to build a bathroom and install a toilet, which will improve her family's health, safety, and person hygiene.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 30, 2011
Oct 16, 2011
Currency Exchange Loss:
Jul 15, 2012