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Xiomora De Jesus

Update on Xiomora De Jesus

Xiomara is 44 years old and lives with her life partner who works as a taxi driver. She has four children, The oldest one is 23 years old and is working, but the others are still in school.

For the last three years she has worked at a car wash in order to generate more income, since the earnings from her grocery store are not sufficient to cover the expenses of food, school fees and clothing. With the help of her children and her partner she has been able to repay the loans she has taken in order to make improvements to her home.

On this occasion, she needs her eleventh loan so that she can replace her roof and install a floor in her home. In order to do this, she needs to buy wooden beams, corrugated sheet metal, stone, concrete, sand and tile. This will allow her to make the necessary improvements to her family's living conditions.
View original language description ↓
Doña Xiomara tiene 44 años de edad tienen a su pareja de vida quien trabaja como taxista, tiene 4 hijos el mayor de 23 años ya trabaja pero los otros tres están estudiando, doña Xiomara labora en un auto lavado atendiendo a los clientes hace tres años, esto para generar más ingresos por que con la pulpería no le alcanza para cubrir los gastos de alimentación, colegio de los niños y vestimenta, con ayuda de sus hijos y su compañero ha podido pagar las cuotas de sus préstamos que ha solicitado para realizar mejoras en su hogar, en esta ocasión necesita este onceavo crédito para cambiar el techo y poner el piso de su vivienda, para eso requiere comprar perlines, laminas de zinc, cerámica, piedrines, arena, cemento, para vivir en mejores condiciones con su familia, lo cual es necesario.

Previous Loan Details

Doña Xiomara continues to manage her business, a grocery store, the profits of which have helped her family to have better living conditions. Together with her husband, she strives for the common good. Her husband is a taxi cadet. All the loans have been for the common good of improving their ... More from Xiomora De Jesus'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
  • 91
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Xiomora De Jesus to buy wooden beams, corrugated sheet metal, stone, concrete, sand and tile so that she can lay a tile floor and replace her roof.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013