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Josefa Antonia
Josefa is a humble woman who works as a public school teacher. She is married. Along with her husband, she has the goal of improving their household infrastructure, thus offering safety to their family.

Josefa is asking for a loan to purchase construction materials such as concrete, sand, gravel, supports, tie wire, iron, cinder blocks, wood planks and nails (among others), needed for building a wall on the front-right side of their house. It is a necessity, considering that this space is currently covered with old sheet metal and wires. She is thankful to the microfinance institution for the support she has received in order to improve the quality of her life.
View original language description ↓
Josefa mujer humilde, trabaja como docente en un colegio público, casada, junto a su esposo tiene el proyecto de mejorar la infraestructura de su vivienda. Para ofrecerle a su familia seguridad. Con el préstamo comprar materiales de construcción como. Cemento, arena, piedrines, estribus, alambre de amarre, hierro, bloques, tablones de madera, clavos entre otros materiales para la construcción de una pared del lado derecho delantero de la vivienda, siendo de necesidad ya que actualmente es alambre y laminas de zinc viejos. Agradece a la financiera por el apoyo al mejoramiento del nivel de vida.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Josefa Antonia to purchase construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2011
Nov 14, 2011
Currency Exchange Loss:
Nov 15, 2012