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Maria Martha
Doña María Martha is a single mother of six children. The youngest ones, ages 10 and 14, are under her care. Her older children work and support their mother financially. María’s business involves making and selling tortillas. With the income she earned over many years, she has been able to support her children and pay off the loans that have been used for home improvements. Her last loan was used to enclose the front of her house.

Now she wants to replace the roof over her living room, so she will buy zinc sheets, crossbeams, as well as pay for labor. María hopes to always have the support of loans so that she can continue making improvements to her home, which will make her family feel more safe.

View original language description ↓
Doña María Martha es madre soltera de 6 hijos siendo los menores de 10 y 14 años a su cargo, los mayores trabajan y apoyan a su madre económicamente, el negocio de ella es hacer y vender tortillas con esos ingresos desde hace muchos años ha mantenido a sus hijos y se ha apoyado en pagar sus créditos los cuales ha utilizado en mejoras de su hogar, lo último que hizo fue enverjar el frente de su casa, ahora quiere cambiar el techo de la sala comprando laminas de zinc, perlines y pagar la mano de obra, espera contar siempre con el apoyo de financiamiento para continuar mejorando su vivienda y así sentirse más segura con su familia.

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

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,390,325
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Maria Martha to buy zinc sheets, crossbeams, and to pay for labor.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Feb 6, 2013
Currency Exchange Loss:
Apr 16, 2014