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Lesbia Concepcion
The young woman Lesbia is single and works as a tour agent for ecological tourism. Her objective is to improve her house since the roof is in bad shape and it is winter, along with part of the infrastructure as she needs to make repairs to walls. She lives with her parents, being moral and financial support during school season.

With this loan she will purchase corrugated metal roofing material, beams, screws, iron, cement, cinder block, corrosion-resistant paint, nails and wood for remodelling walls, so she may have better living quarters.
View original language description ↓
La joven Lesbia es soltera, labora como promotora de turismo ecologico, siendo el objetivo en la mejora de su casa, ya que el techo esta en malas condiciones y esta el invierno, asi como parte de la infraestructura tiene que hacer reparaciones de paredes, vive junto a sus padres, siento el apoyo moral y economico en tiempo de estudios.
Con este financiamiento es para la compra de materiales de zinc, perlines, golosos,hierro bloques, cemento, pintura anticorresiva, clavos, madera para remodelacion de paredes. Y estar en mejores condiciones de 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 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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Lesbia Concepcion to purchase corrugated metal roofing material, beams, screws, cement, cinder block and other items for beginning construction.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
May 25, 2012
Jun 7, 2012
Currency Exchange Loss:
Mar 15, 2013