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Adilia Emperatriz
Adilia is 46 years old and has 2 adult children. She is a widow; her husband died in the war. Adilia had to work a great deal to see to it that her children studied and now, thank God, they are both grand professionals. Adilia has worked as a secretary for 16 years, enabling her to pay off her loans.

With this loan, she plans to install windows in her house, which she has built with much effort. Adilia hopes to leave a good home for her 2 children. To commence the necessary work, she needs to buy lattice windows and aluminum window frames, and to pay for the labor. This will finally finish the walls, separating the rooms, among other improvements. Little by little her home is being completed.
View original language description ↓
Doña Adilia tiene 46 años con dos hijos mayores de edad, es madre soltera, su esposo falleció en la guerra, ella tuvo que trabajar mucho para lograr que sus hijos estudiaran y ahora gracias a Dios son grandes profesionales, tiene 16 años de trabajar como secretaria lo que le permite para pagar sus créditos, con este préstamo piensa poner las ventanas de su casa que ha construido con mucho esfuerzo y espera dejar un buen hogar para sus dos hijos, para comenzar la obra necesita comprar celosías, marcos de aluminio y pagar la mano de obra, quedándole pendiente darle fino a las paredes hacer divisiones entre otras mejoras pero poco a poco lo irá haciendo.

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

  • $3,636
    Average annual income
  • 142
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,725
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Adilia Emperatriz to buy lattice windows, aluminum window frames, and to pay laborers to do the installation.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 9, 2013
Jan 14, 2013
Currency Exchange Loss:
Feb 17, 2014