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Maria Eugenia
María Eugenia is a young woman of 25 and a single mother of two daughters currently students.

She has worked as a waitress in a restaurant. She has been through some difficulties with her daughters when they get sick, as she doesn't have any help from the father, but she has kept moving on.

Her house is simple, with wooden boards and metal sheeting, but it is her own. She has wanted to improve them, but she hasn't had enough money to be able to do it, since she has to cover the costs of food, basic expenses, school, medicine, and fares.

It is through the loan that she’s requesting to change her sheet metal, as it’s gone bad from holes and the water is coming through in this winter season. She is glad to be able to make this change that is being made possible only through AFODENIC. The materials to buy are: ten metal sheets, six support beams and screws to make the improvement, and to be in better living and hygienic conditions.
View original language description ↓
María Eugenia es una joven de 25 años de edad, madre soltera de dos hijas hoy en día estudiante, trabajó como mesera en un restaurante, ha pasado dificultades con sus pequeñas cuando se enferman, al no tener la ayuda del padre, pero he salido adelante.
Su casa es sencilla de tabla de madera y laminas de zinc, pero propia, ha querido hacerles mejora pero no ha tenido el dinero suficiente para lograrlo hacer, ya que tiene que cubrir la alimentación, pago de gastos básicos, estudios, medicina, pasaje.
Es atraves del financiamiento que está optando para poder cambiar su zinc, ya que está malo con hoyos y se le está pasando el agua, en esta temporada de invierno. Materiales a comprar: diez laminas de zinc, seis perlines, golosos para hacer la mejora. y estar en mejores condiciones habitacional e higiene.

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
  • 93
    View loans »
    Nicaragua Loans Fundraising
  • $24,753,075
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Maria Eugenia to purchase sheet metal, support beams, and screws for fixing her roof.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 16, 2012
Oct 3, 2012
Currency Exchange Loss:
Aug 18, 2013