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Celia Rosa

Update on Celia Rosa

Celia is a single mother. She has three children who she has provided with an education, food and a mother's love. They are all now grown up and married, and help her out financially.

Celia continues working as a domestic employee and also provides sewing services in order to cover all her monthly expenses. She is requesting this loan to roof part of her living room and porch so that she can improve the condition of her home. This is particularly important as winter is approaching. She will buy sheets of corrugated metal and beams so that the work can begin.
View original language description ↓
La señora Celia, siendo madre soltera de 3 hijos salió adelante con ellos brindándoles educación alimentación y calor de madre ahora son mayores y casados quienes le ayudan económicamente, ella continua con su labor de empleada domestica, siendo su principal fuente de ingresos la costura para poder cubrir con todos sus gastos mensuales. Solicita el crédito para entechar parte de la sala y porche de la casa para dar mejores condiciones a su hogar más ahora que se acerca el invierno, comprara láminas de zinc y perlines para empezar la obra.

Previous Loan Details

Celia, an enterprising, responsible, and hardworking woman, continues in her job as a seamstress in her house. With financing from AFODENIC and Kiva, she is grateful for the confidence given to her. This time the reason for her loan is to buy the following construction materials: corrugated m... More from Celia Rosa'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

  • $4,800
    Average annual income
  • 111
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Celia Rosa to buy sheets of corrugated metal and beams.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 23, 2013
Mar 2, 2013
Currency Exchange Loss:
Nov 17, 2013