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Ana Maria

Update on Ana Maria

Ana María is a very hardworking woman who strives to get ahead with her family and improve the condition of her home. Now she's responsible only for one child who is still studying. Her partner always helps her with his income for the household expenses.

Ana María's requesting this new loan to divide a room. She needs to buy cement, sand, cinder blocks, and rebar to begin the work and get better conditions at home.

This fills her with happiness because every day she's making improvements to her house.
View original language description ↓
Doña Ana María, una señora muy trabajadora que lucha para salir adelante con su familia y mejorar las condiciones de su hogar, ahora tiene solamente a su cargo a un hijo quien continúa estudiando, su pareja siempre le apoya con sus ingresos para los gastos del hogar. Ana María solicita este nuevo crédito para hacer una división de cuarto necesitando comprar cemento, arena, bloques, hierro para empezar la obra y obtener mejores condiciones en la vivienda, esto la llena de mucha alegría porque cada día va haciéndole mejoras a su casa.

Previous Loan Details

Ana María lives with her partner, a driver for a private company. She works at a restaurant where she has been a cook for two years. She's requesting a loan for the fifth time, this time to put gates in the wall in front of her house to secure the main entrance of her house. For this she nee... More from Ana Maria'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
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,417,550
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ana Maria to buy cement, sand, cinder blocks, and rebar.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Mar 12, 2013
Mar 18, 2013
Currency Exchange Loss:
Nov 17, 2013