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Maribel is a teacher by profession; she continues teaching classes day to day and her children are still going to school. At present, she has remarried and her new husband is a driver. She feels supported both emotionally and economically.

Through these loans she has better housing conditions and is able to balance her expenses and have a good repayment behavior and continue with her home improvement projects.

She used her previous loan to add a room because her house was very small and she’s been adding to it in order to have more room and conditions for her children. Two of them are working and she gets help from them to continue with her projects. She will use this new loan to extend the living room into the adjacent lateral empty parcel.
View original language description ↓
Doña Maribel, de profesion docente, sigue impartiendo sus clases dia a dia, sus hijos siguen estudiando, hoy en dia, se volvio a casar nuevamente siendo su compañero de oficio conductor, en donde se siente apoyada moralmente y economicamente.
Pues a traves de estos prestamos, esta en mejores condiciones habitacional es por tal razon,equilibra sus gastos para tener un buen conportamiento de pago, y seguir con los proyecto de vivienda.
Con su credito anterior hizo un anexo de cuarto,ya que su casa era muy pequeña y que avenido aumentando para tener mas espacio y condiciones para sus hijos, el cual los dos estan trabajando, y teniendo ayuda de ellos para seguir con los proyecto.
Con este nuevo prestamo, comenzara el aumento en su sala, en el predio vacio de la parte lateral.

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
  • $24,574,825
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maribell to add a room and enlarge the house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 3, 2011
Currency Exchange Loss:
Jun 18, 2013