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Sara Maria

Update on Sara Maria

Sara Maria is a hard-working and responsible single woman. She is characterized as a person who has always enjoyed satisfying her own needs and achieving the things she always wanted, when they are within reach of her income. Today, Sara continues working for a state enterprise as a concierge, putting forth much energy. Nevertheless, to make added income, she sells cosmetics and sandals on order from her customers. All Sara's children are now adults and help her with basic household costs and with her payments.

With this 10th loan cycle, what Sara plans is to elevate the level of her house and install a new roof. Her preoccupation is that the first seasonal rains have already come and water is entering her house. Sara needs to purchase zinc sheeting, cement blocks, sand, gravel, cement, roof supports, buttresses, reinforcement wire, and solder, among other things.

Her future plan is to install indoor bathroom facilities in her house.
View original language description ↓
La señora Sara Maria mujer soltera, trabajadora y responsable. Se caracteriza por ser una persona que siempre le ha gustado sastifacer sus necesidades y darse los gustos que ella desea siempre y cuando esten al alcance de sus ingresos. Hoy en dia continua laborando para una empresa del estado desempeñandose como conserje trabajo de mucha energia, sin embargo para obtener mayores ingresos tambien se dedica a la venta de cosmeticos y sandalias misma ventas que realiza previo encargos que sus clientes le hacen. Sus hijos ya todos mayores de edad quienes le ayudan con los gastos basicos del hogar y al cumplimiento de pagos de sus cuotas. Con este su decimo ciclo de credito lo que se proyecta es subir nivel de casa y cambiar entechado de la misma, ya que su preocupacion esta en que ya han caido las primeras lluvias y el agua se le pasa en su casa por lo que comprara laminas de zinc, bloques, arena, piedrin, cemento, perlines, estribos, alambre de amarre, soldaduras entre otros. Su plan a futuro es instalar en su vivienda los servicios higienicos.

Previous Loan Details

Sara is a single mother and honest woman. Her older children help her out financially. She needs to continue improving the infrastructure of her home. She has worked for a while as a janitor, which is a job that requires a lot of effort. So far she has not had any problems making improveme... More from Sara Maria'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

  • $3,636
    Average annual income
  • 122
    View loans »
    Nicaragua Loans Fundraising
  • $24,036,450
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Sara Maria to protect her house from heavy rains, by raising it and installing a new roof.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 23, 2012
May 9, 2012
Currency Exchange Loss:
Aug 18, 2013