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Norma Vie
Norma is 42 years old and is the single mother of a 26 year old young woman. She has worked on a cruise ship for six years, giving dancing lessons to clients. She returns to the country to visit her family every six months. Norma is originally from the Caribbean coastal part of the country and saw the need to go to the capital city so that her daughter could study at university. She is asking for a second loan so that she could add a room to her house and she needs girders, zinc metal sheeting, cement, cinder blocks, iron bars, wire, and lumber. Her future plans are to finish building her house and set up a store with lots of variety for her daughter and grandchildren for whom she works.
View original language description ↓
Norma de 42 años es madre soltera de una jovencita de 26 años, trabaja embarcada en un crucero hace seis años en atención al cliente y da clases de bayle, cada seis meses vuelve al país a ver a su familia, Norma es originaria de la Costa Caribe del país, de donde se vio con la necesidad de venir a la capital para que su hija estudie una carrera universitaria. Solicita un segundo crédito para la construcción de un cuarto en su vivienda por lo que necesita comprar perlines, sinc, cemento, bloques, hierro, alambre, madera para renglones, sus planes a futuro es terminar de construir su casa y poner una tienda con mucha variedad para sus hijas y sus nietos por quienes trabaja.

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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,275 helped Norma Vie to buy building materials.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Oct 2, 2012
Currency Exchange Loss:
Nov 1, 2012