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María Elsa

Update on María Elsa

María is a humble farmer from Francia #2 district. She lives with her family. Her plans for the future are to be able to build her house because the one they have now is deteriorated with use over the years.

María is very happy for the support Afodenic offers her through Kiva funds because with her previous loans she managed to get better crops producing quality harvests. At present, however, the crops are facing a great problem caused by white fly infestation and she does not have the necessary resources to combat it. She will use the loan to buy fertilizer and necessary supplies to save the harvest.
View original language description ↓
La señora María, es una humilde agricultora de la comarca la Francia N0 2 , junto a su familia , los planes hacia un futuro es poder construir su casita ya que la que tienen está muy deteriorada por los años , doña María está muy contenta por el apoyo que le brinda Afodenic atravez de los fondos Kiva , ya que con los prestamos anteriores logro establecer un mejor cultivo , sacando cosechas de calidad , pero en esto momentos el cultivo enfrenta un gran problemas de plagas como es la mosca blanca y no cuenta con los recursos necesarios para poder combatirla . El préstamo lo invertirá en fertilizantes e insumos necesarios para salvar la producción .

Previous Loan Details

María Elsa is 38 years old. She is married and her husband works as a mason. They live in the Francia 2 neighborhood and have two teen-aged children; both students. María has been a pineapple farmer for 15 years. Among the challenges she faces is the indiscriminant theft of her crops. She ... More from María Elsa'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 Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped María Elsa to buy fertilizer and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 20, 2012
Apr 19, 2012
Currency Exchange Loss:
Apr 18, 2013