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Update on Rosibel

Rosibel, who is 40 years old, is single, has 2 children that depend on her. One is in high school and the other is under 3 years old and doesn't go to school yet. She is a very hardworking client that has taken her children forward with strength as a teacher in a private school for the last 12 years. This is a job with a very low salary, but Rosibel does manage to give bread every day to her children. She is requesting her 11th credit to continue making improvements to her home. This time she will make a room that will serve to provide better comfort and space to her family because today they all sleep in the same room and do not have privacy. For this she will need cement, sand, gravel, blocks, iron, and to pay for labor.
View original language description ↓
La sra. Rosibel de 40 años de edad es soltera, tiene a su cargo 2 hijos que dependen de ella, uno estudia la secundaria y otro menor de 3 años quien todavía no va a clases, ella es una clienta muy trabajadora que ha sacado a sus hijos adelante con esfuerzo y trabajo como docente en una escuela privada desde hace 12 años, un empleo con un salario muy bajo pero así se las ingenia Rosibel para darle el pan de cada día a sus hijos. Solicita su onceavo crédito para continuar haciéndole mejoras a su casa, esta vez hará un cuarto que le servirá para brindar mayor comodidad y espacio a su familia porque actualmente todos duermen en la misma habitación y no tienen privacidad, por lo que necesitara comprar cemento, arena, piedrín, bloques, hierro y el pago de la mano de obra.

Previous Loan Details

Rosibel began her work in the field of education 16 years ago in private schools, Rosa Lanzas and San Francisco de Asis, which were not recognized by the ministry of Education, but later named in the NER Sn. Esteban de Juigalpa. For the past 11 years, Rosibel has left her house every day at 6:00 a.m. in order to walk 5km to her place of work at the school every day. Of her two children, the eldest, at the age of 17, is studying his 5th year of secondary school and her other child is currently studying in primary school. She is now pregnant with her third child due to be born in the month of July. During her 7 previous loans, she has demonstrated great responsibility and paid back on time. This credit will be used to change the roof of her house, which currently has a level plastic roof, so that it will not leak water. She is hoping for the loans, even though they are small but they have helped her a lot and also helped they people that work with her. AFODENIC is an organization that treats its clients with great care and respect, in addition, it is the first institution that has offered this support to the salaried sector.

Translated from Spanish by Laura Kirkvold, Kiva volunteer.

La profesora Rosibel inicia su labor educativa a los 16 años en escuela privadas, Rosa Lanzas y San Francisco de Asis 4 años que no fueron reconocida por el ministerio de Educación, posteriormente fue nombrada en el NER Sn. Esteban de Juigalpa, con 11 años de servicios sale de su casa todos los dias a las 6:00 a.m ya que camina 5 Km a pie para llegar a su escuela, ingresando a las 4: 00 p.m tiene 2 hijos el mayor de 17 años estudiando el 5 año de secundaria y el otro primaria, está embarazada esperando el mes de julio para el nacimiento de su tercer bebe, durante sus siete créditos ha demostrado responsabilidad y cumplimiento con sus pagos, este crédito lo utilizará para cambiar el techo de su vivienda sobre todo el de su dormitorio que tiene como cielo razo plástico para no mojarse, manifestó que los créditos aunque pequeños pero le han servido de mucho a ella y a otras personas que trabajan con ella. No piensa quedar mal pues AFODENIC es una financiera que trata con respeto y amabilidad a sus clientes y demas fue la primera institucion que brindó este apoyo al sector asalariado.

More from Rosibel'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 Nicaragua

  • $3,636
    Average annual income
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,035,950
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Rosibel to purchase cement, sand, gravel, blocks, iron and to pay for labor.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Dec 1, 2012
Currency Exchange Loss:
Sep 18, 2013