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Ana Julia
Ana Julia, 30 years old, is married and has the support of her husband, who pays the household expenses. She works as a primary school teacher. She is requesting her first loan to invest in improving a room in her home where she lives with her family. She is well known in this community as a respectable person, who has worked to help her family get ahead and to keep them always united. Her greatest dream is to improve her housing conditions and provide a pleasant environment for her children.
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Ana Julia tiene 30 años, es casada, cuenta con el apoyo de su marido quien asume los gastos del hogar; Ana labora como docente de Educación Primaria, está solicitando su 1er préstamo, para invertirlo en mejoramiento de una habitación en su casa, donde vive con su familia, en esta comunidad es bien reconocida como una persona de buenas costumbre,que ha se ha vinido esforzando por sacar a delante y a su familia y manternerlos siempre unidos, donde sus mejores sueños son mejorar las condiciones de su casa y asi poder tener un ambiente agradable que ofrecerles a sus hijos.

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
  • 98
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,825
    Funds lent in using Kiva
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ana Julia to make improvements on her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Dec 1, 2011
Currency Exchange Loss:
Aug 16, 2012