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Cecil Mariela

Update on Cecil Mariela

Cecil, always working alongside her husband in a free trade zone in Nicaragua, with her savings from selling products from catalogs door to door, has been able to earn a living and help her three young children get ahead. Her children are all under 11 years old and go to school. Cecil's biggest dream is to see them grow up to have professional careers.

Her goal with each loan is to make improvements to her home. With this fourth loan, Cecil is looking to make improvements to the kitchen. She will buy concrete blocks, cement, sand, iron, gravel, and zinc in order to make her kitchen safer and improve her house.
View original language description ↓
La joven Cecil siempre trabajando junto a su esposo en una zona franca del país, con sus ahorros ha logrado invertir en productos por catálogos los que vende a domicilio y a sus amistades, de esa manera se gana la vida y saca delante a sus tres hijos menores de 11 años quienes van a la escuela y su mayor deseo es verlos crecer con una carera profesional. Su objetivo con cada préstamo es brindarle mejoras a su casa. Esta vez solicita su cuarto crédito para mejorar la parte de la cocina por que necesita comprar bloques, cemento, arena, hierro, piedrín, zinc, para brindarle mayor seguridad y mejores condiciones a su vivienda.

Previous Loan Details

Cecil is married. Her husband works in the free trade zone. Improving her family's way of life is her main plan and improving her home is the first step. This has been difficult because she lacks the money she needs. For this reason, she is grateful to the institution for the support they hav... More from Cecil Mariela'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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Cecil Mariela to buy concrete blocks, cement, sand, iron, gravel, and zinc to improve her kitchen.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Nov 1, 2012
Currency Exchange Loss:
Jan 18, 2014