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Bertha Julia
View original language description ↓
Bertha is 29 years old and lives in the neighborhood of Concepción de María. She is single and has three minor children who are in school.

Bertha’s business is renting rooms and the sale of iron products. She has six years of experience and started with her own money and little merchandise. The loan she is requesting is for the construction of a room to improve the conditions of the clients to whom she rents. In the future she will build her business, give her children an education and have a better quality of life.

Translated from Spanish by Hugh Yarbrough, Kiva Volunteer.

La Sra. Bertha tiene 29 años de edad, habita en el barrio Concepción de Maria y es soltera, tiene tres niños menores de edad que están estudiando. El negocio de doña Bertha es el alquiler de cuartos y venta de productos ferreteros tiene seis años de experiencia e inició con fondos propios y pocas mercancías. Con el dinero que esta solicitando es para la construcción de un cuarto para mejorar más las condiciones de los clientes que tiene alquilando. A futuro es incrementar su negocio, darles educación a sus hijos y tener un nivel de vida mejor.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 19.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Bertha Julia construction of a room to be rented as living space.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 2, 2008
Jun 18, 2008
Currency Exchange Loss:
Aug 15, 2009