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Update on Sandra

Sandra, 32 years old, has worked as a teacher at Colegio Rubén Dario for 11 years. She is asking for a loan to remodel a room in her house and paint it. She is very well-known in her community as an honest person who is responsible regarding her commitments. Her husband helps her with household expenses, since they are both salaried and are pretty united. Her dream is to have a bigger house with better conditions, like everyone wants, and for her family to enjoy good health. She works so that her household does not lack the basics.
View original language description ↓
Sandra de 32 años de edad, trabaja como docente del Colegio Rubén Dario desde hace 11 años, solicita su crédito para invertirlo en remodelación de una habitación en su casa y pintarla, en su comunidad es muy reconocida como una persona honesta y responsable en sus compromisos, su esposo la ayuda con los gastos del hogar ya que ambos son asalariados y bien unidos. Su sueño es tener una casa mas grande con mejores condiciones como toda persona lo desea, que su familia goze de salud y trabaja para que no falte lo basico en el hogar.

Previous Loan Details

Sandra is requesting a loan from Kiva in order to invest the money in the construction of a new room for her house. She has worked as a teacher in the school Rubén Darío for the past 8 years, and she performs her job with great love and care. She lives in the city of Nueva Guinea (New Guinea), Nicaragua. She has two daughters, the oldest of whom is 8 and studies in the second grade, and the youngest still a baby of one year. Sandra’s husband works as a police officer. Both share the responsibility of sustaining the family and providing their daughters with an education. Sandra’s dream is to continue studying, to be healthy and have stable work, and to improve the conditions of her home so that her daughters will not lack anything.

Translated from Spanish by Debra Faszer-McMahon, Kiva Volunteer.

Sandra está solicitando el préstamo a nuestra Institución para invertirlo en construcción de una habitación en su vivienda.

Labora como docente de la Escuela Rubén Darío desde hace 8 años, en la cual se desempeña con mucha responsabilidad y amor a su trabajo. Habita en el municipio de Nueva Guinea. Tiene 2 hijas , la hija mayor de 8 años estudia su 2do grado de educación primaria y una bebita de un añito, su esposo trabaja como Policía. Ambos la responsabilidad de llevar el sutento a su familia, y proveerles de educación a sus hijas. Su sueño es seguir estudiando, tener salud y estabalididad laboral, tener mejores condiciones en su hogar para que a sus hijas no les falte nada. More from Sandra's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,420,300
    Funds lent in using Kiva
  • 23.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Sandra to remodel a room.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 23, 2011
Jan 14, 2012
Currency Exchange Loss:
Oct 16, 2012