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Sandra Nohelia
Sandra works as a domestic employee because together with her husband they strive to provide their two elementary school age children a better future. Although they live in humble conditions it’s theirs and they’ve been making improvements to their property hoping to attain a home that’s in good living conditions.

They currently have a latrine so she will buy a toilet and sewage pipes to attain better hygiene, privacy and safety. She will buy a toilet, cement, concrete blocks, sand, pipes, rebar, glue, Teflon and others to do this improvement. Thanks to Afodenic financial support payable in installments is being made possible which allows her to stabilize her expenses.
View original language description ↓
Doña Sandra hoy en día trabaja en servicios domésticos, pues junto a su esposo se esfuerzan para un futuro mejor de sus dos hijos estudiantes de la primaria, aunque viven en condiciones humildes es de su propiedad que han venido mejorando y que esperan lograr un techo en condiciones buena.
Su servicio higiénico es letrina, el cual comprara inodoro y entubara las aguas negras logrando tener mejor condiciones de higiene, privacidad y seguridad. Comprara: inodoro, cemento, bloques, arena, hierro, tubos, pega, teflón u otros para esta mejora. Que gracias Afodenic se está haciendo posible al otorgar este financiamiento en cuotas a plazos.Logrando equilibrar sus gastos.

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
  • 81
    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 $350 helped Sandra Nohelia to buy building materials and supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 26, 2012
Aug 6, 2012
Currency Exchange Loss:
Nov 15, 2012