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Update on Migdalia

Migdalia is 29, and has been working for many years as a primary school teacher in the Paulino Halsall School. She the financial support of her life partner, who assumes responsibility for the household expenses.

As an additional activity in their spare time, they do cattle butchering once a week. From this they earn additional income that allows them to offer a little comfort to their children.

She is requesting her loan in order to buy building materials, as she intends to add a room to her small house. Her greatest dream is to gradually improve her family's living conditions, to enjoy good health, and that her children grow up in a pleasant environment.
View original language description ↓
Migdalia de 29 Años de edad, labora como docente de primaria de la Escuela Paulino Halsall desde hace muchos años, ella cuenta con la ayuda econòmica de su compañero de vida que asume los gastos del hogar, como actividad adicional en su tiempo libre se dedican al destace de res una vez a la semana de los cuales obtienen ingresos adicionales que les permiten brindar un poco de comodidad a sus hijos. solicita su Credito para comprar materiales de construcciòn ya que piensa realizarle un anexo a su casita. Su mayor sueño es mejorar poco a poco su condiciones de vida de su familia, gozar de salud y que sus hijos crezcan en un ambiente agradable .

Previous Loan Details

Midgalia is married, and has an 8 year old daughter who studies on elementary school, her husband works as a farmer at his father's farm, and helps her with family expenses, Migdalia works as a teacher for the past 10 years at Paulino Halssall school. She is requesting refinancing of her 6th loan... More from Migdalia'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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Migdalia to add a room to her home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 3, 2012
Currency Exchange Loss:
Sep 18, 2012