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Ana Maria
Ana María is a client who lives in an area close to Managua. Her husband works as a collections manager. Together they have four children under the age of 18, all of them students.

Ana's sewing business and the support of her husband facilitate the children's good development. In addition, they've managed to get ahead with the income from a mini-bookstore she set up two years ago.

She's choosing to get her first loan to build rooms so her children have their own space. She will need to buy cement, sand, cinder blocks, and rebar, and pay for labor.
View original language description ↓
Doña Ana María es una clienta habitante de una comarca cercana a Managua, su esposo trabaja como gestor de cobro ambos tienen 4 hijos menores de 18 años todos estudian con el servicio de costura de doña Ana y el apoyo de su esposo hacen posible el buen desarrollo de sus hijos así como también con los ingresos de una mini librería que ha puesto hace dos años han podido salir adelante, ella está optando a un primer crédito para construir cuartos para que sus hijos tengan su propio espacio, necesitara comprar cemento, arena, bloques, hierro y pagar la mano de obra.

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
  • 122
    View loans »
    Nicaragua Loans Fundraising
  • $24,546,650
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ana Maria to buy cement, sand, cinder blocks, and rebar, and to pay for labor.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 5, 2013
Currency Exchange Loss:
Dec 17, 2013