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Ernestina is 58 years old and single. She does not have any dependent children. She has been working as a caretaker at an educational institution for many years. She is requesting this loan to invest in repairing her home. She will buy metal sheets and wood in order to strengthen some parts of her house which are in a bad state of repair.
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La sra. Ernestina de 58 años de edad es soltera, no tiene hijos que dependa de ella, trabaja como conserje en la Normal Regional desde hace muchos años. Solicita el credito para invertilos en hecer reparaciones en su casa como es compra de zinc y madera para reforzar algunas partes de su casa que se encuentran en mal estado.

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
  • 80
    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 $275 helped Ernestina to fix her roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 24, 2012
Jun 23, 2012
Currency Exchange Loss:
Jun 18, 2013