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Fanny Manuela

Update on Fanny Manuela

Fanny has been working as a teacher in the Cesár Augusto Salinas Pinell school for 12 years, displaying great responsibility and honesty in her work. Her husband works as a director of municipal services and he helps her with the household expenses and her loan repayments. She is requesting her fourth loan which she will use to pay for construction workers to build a bedroom in her home, as she wants to give her daughter better living conditions. Her dream is for her daughter to grow up in a pleasant environment, for her family to remain close and for them to always be able to cover their basic needs.
View original language description ↓
Fanny labora como docente en el colegio Cesár Augusto Salinas Pinell desde hace 12 años desenpeñandose con gran responsabilidad y honestidad, su esposo como director de servicios municipales y le apoya con los gastos del hogar y con sus deberes crediticios. Solicita su 4to credito con el que va a pagar mano de obra de la construcción de una habitación en su vivienda, pues desea brindar a su hija mejores condiciones, ademasdueña con que esta crezcan en un ambiente agradable y que su familia permanezca bien unida y no le falte lo basico en el hogar.

Previous Loan Details

Fanny Manuela is married and has two children. The oldest is 12, and she is in sixth grade in elementary school. The baby is two years old. She lives in the Zona #7 de Nueva Guinea. She has worked at the Cesar Augusto Salinas Pinell School for ten years. She is asking for her second loan. ... More from Fanny Manuela'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 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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $700 helped Fanny Manuela to build a bedroom.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 24, 2012
Jun 23, 2012
Currency Exchange Loss:
Jul 23, 2012