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Rosa Virginia
Sra. Rosa is 48 and works as a cleaner. She is a single mother of three children, who are all working adults nowadays. Rosa’s priority has been to make improvements to her house, however due to scare financial resources she has made little headway. She has already used a loan to change her roof, thereby avoiding harm in the winter.

Today with this new loan she will be able to make room divisions from concrete, thus affording more comfort and privacy to her family. She will buy construction materials such as concrete blocks, iron, cement and sand and begin the work.
View original language description ↓
Doña Rosa, tiene la edad de 48 años, trabaja como afanadora , es madre soltera de tres hijos, hoy en dia mayores y trabajando. Para ella el mejoramiento de su casa, ha sido su pioridad, pero por recursos economicos ah abanzado poco.
Mejoro el cambio del techo ya con financiamiento, el cual goza de esta mejora que le perjudicaba en invierno, hoy con este nuevo prestamo podra hacer divisiones en los cuartos de concreto, teniendo mejor comodidad y privacidad para su familia. comprara materiales de construccion en bloques, hierro, cemento, arena y comezar la obra.

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
  • 124
    View loans »
    Nicaragua Loans Fundraising
  • $24,547,700
    Funds lent in using Kiva
  • 23.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Rosa Virginia to buy construction materials to build room divisions and achieve privacy and comfort in her home.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 16, 2012
Feb 26, 2012
Currency Exchange Loss:
Dec 15, 2012