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Berna Sugey
Berna, a young 28 year old woman works for several different private companies as a salesperson of various products. She is single, has no children and lives with her elderly mother who she suports unconditionally. She is requesting her first loan in order to install sanitary facilities (a toilet) in her house. She needs to buy the toilet and material to glue it since the one she currently has is in bad shape. For this reason she is requesting your support so she can make this investment in her house and have better living conditions in her home.
View original language description ↓
La joven Berna de 28 años de edad, trabaja para distintas empresas privadas como impulsadora de productos varios, es soltera no tiene hijos, vive junto a su anciana madre a quien ella apoya incondicionalmente. La joven está solicitando su primer crédito para instalar un servicio sanitario en su casa (inodoro) por lo que necesitará comprar el inodoro y materiales para pegarlo, ya que el que tienen se encuentra en mal estado, por tal motivo solicita la apoyen para poder hacer esta inversión en su casa y así tener mejores condiciones en su vivienda.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Berna Sugey to buy a toilet and adhesive materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Nov 1, 2012
Currency Exchange Loss:
Oct 17, 2013