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Thelma Maria
Thelma Maria has worked for 13 years for the Ministry of Education as a high school teacher. She needs this loan to build two walls in order to have better conditions in her home and increase its value. According to her work colleagues, she is responsible, honest and very hardworking. Thelma Maria is helped by her life partner, who is also a salaried worker. Her main dreams in life are to see her children grow up healthy, to always have basic necessities in her home, and to have job stability.
View original language description ↓
Thelma Maria tiene 13 años de trabajar como docente de secundaria para el ministerio de Educacion, este financiamiento lo requiere para construir dos paredes de esta manera tener mejores condiciones en su hogar y darle mas valor a la propiedad, segun sus compañeros de trabajo es bien responsable, honesto y muy trabajadora, ella cuenta con la ayuda compañero de vida ambos son asalariados. su mayor sueño en la vida es que sus hijas crezcan sana y que no le falte lo basico en el hogar y poseer estabilidad laboral

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Thelma Maria to build walls in her home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Aug 3, 2012
Currency Exchange Loss:
Jan 18, 2014