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Sandra Vanesa
Sandra is an enterprising merchant. She is married, and her husband is a bricklayer. Her business is selling cosmetics, perfumes, and others by catalog.

Her projects are to improve the infrastructure of her house, to generate more profits, to change her standard of living, and to offer her son a better future.

She has had her business for some time. She started it to get another income to better cover the household expenses. She started it with her own funds. At the present time she invests everything she sells, her profits, in the business again.

She needs the loan to buy construction materials like zinc sheeting, purlines, screws, solder, cement, sand, gravel, a saw blade, and thinner, among others in order to plaster the walls and change the roof.

With this investment her family will be safe and comfortable. She is grateful for the opportunity to get a loan in order to improve her the conditions of the infrastructure of her house.
View original language description ↓
Sandra casada, emprendedora, comerciante, su esposo trabaja como albañil, su negocio es la venta de cosméticos, perfumes y otros por catalogo. Proyectos mejorar la infraestructura de su vivienda, también generar mayores utilidades, cambiando su nivel de vida y opcionando a ofrecer un mejor futuro a su hijo. Tiene su negocio desde hace tiempo empezándolo para que existiera un ingreso más al hogar cubriendo mejor los gastos. Iniciándolo con fondos propios, actualmente todo lo vendido lo invierte nuevamente inversión y utilidades.Necesita el préstamo para comprar materiales de construcción como: laminas de zinc, perlines, golosos, soldadura, cemento, arena, piedrín, hoja de sierra, cener entre otros para repellar las paredes y cambiar el techo. Con esta inversión obtendrá seguridad y comodidad para su familia. Agradece el apoyo a la oportunidad de optar un crédito para mejorar sus condiciones de la infraestructura de su vivienda.

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 Nicaragua

  • $4,800
    Average annual income
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Sandra Vanesa to change the roof and plaster the walls of her house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Mar 20, 2012
Apr 20, 2012
Currency Exchange Loss:
Oct 17, 2013