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Sandra Elena

Update on Sandra Elena

Doña Sandra Elena is 43 years old and has been working for a public school as a janitor. She, alone, has been paying off all of the loans obtained from Afodenic on her salary. She is a client who has chosen to take out her tenth loan in order to upgrade the infrastructure of her dwelling. At this time, she will replace the roof and beams of her house, which are very old and deteriorated. Thus she needs to purchase purlins, zinc sheets and pay a work crew.

She still has several other improvements to make on her house and will do them gradually thereby improving the living conditions of herself and her young children who continue with their studies. Her greatest desire is that they become professionals so they can fend for themselves.
View original language description ↓
Doña Sandra Elena de 43 años de edad siempre trabaja para un colegio público como conserje, ella sola con su salario ha venido pagando todos sus créditos obtenidos con Afodenic, es una clienta que está optando por su décimo crédito para infraestructura en su vivienda, en esta ocasión cambiara el techo y las vigas de su casa los cuales están muy viejos y deteriorados para eso necesita comprar perlines, laminas de zinc y pagar la mano de obra, quedándole pendientes varias mejoras por hacerle a su casa, pero así al suave irá mejorando sus condiciones de vida para ella y sus pequeños hijos quienes continúan estudiando y el mayor deseo de ella es que sean grandes profesionales para que se puedan valer por ellos mismos.

Previous Loan Details

Sandra is always active in her work as a janitor. For her, the improvement of her house has been her goal. She has been making improvements and has been able to give her children a better roof. Of her three children, the oldest is working, and he helps with the expenses. With her last loan, she w... More from Sandra Elena'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

  • $3,636
    Average annual income
  • 119
    View loans »
    Nicaragua Loans Fundraising
  • $24,043,075
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Sandra Elena to buy purlins and zinc sheets and pay a work crew to replace the roof of her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013