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Bernarda is 30 years old and has one baby who is a few months old. She has the economic help of her life partner who works as a teacher and covers the household expenses. Bernarda has worked for six years as a secondary school teacher, and she is asking for her second loan in order to finish construction of a room and in this way have better conditions in her home and improve the value of her property. This small family gets other income giving private classes in their free time.

Her greatest dream in life is that her baby grow strong and healthy and that her marriage stay together.
View original language description ↓
Bernarda de 30 años de edad, tiene una bebé de meses de edad,cuenta con el apoyo economico de su compañero de vida que trabaja como docente y asume los gastos del hogar. Bernarda tiene 6 años de trabajar docente de secundaria, solicita su 2do crèdito para terminar de construir una habitación de esta manera tener mejores condiciones en su hogar y darle mas valor a su propiedad, esta pequeña familia obtiene otros ingresos impartiendo clases privadas en sus horas libres. Su mayor sueño en la vida es que su bebe creza sano y fuerte y que su matrimonio permanezca unido.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,100
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Bernarda to complete construction of a room.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 26, 2012
Currency Exchange Loss:
Sep 18, 2013