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Sandra Isabel

Update on Sandra Isabel

Sandra and her husband both work hard to cover household expenses and provide for their family. Sandra's job as a teacher does not pay very well, and she is presently unable to send her son to a private high school since she has to make all their income stretch and cover multiple family needs.

Currently, Sandra needs to repair a room of her family's home. She hopes to improve the room so that her family will be able to rent it out and generate additional income. With the support from this loan, Sandra plans to purchase building materials such as: sand, cement, iron, cement blocks, rock and other materials for fixing up their guest room. She is very grateful for this opportunity and for the support of Kiva and Afodenic.
View original language description ↓
Doña Sandra junto a su esposo laboran arduamente para cubrir con los costos de su hogar, sus ingresos como docente son muy poco y por este motivo tienen a su hijo estudiando en un colegio público para que el dinero pueda alcanzar para los diferentes gastos, ahora doña Sandra está necesitando reparar un cuarto, para ponerlo en alquiler y así ayudarse un poco mas económicamente. Solicita este crédito para comprar arena, cemento, hierro, bloques, piedrines entre otros, todo esto será posible gracias al financiamiento de Kiva y Afodenic.

Previous Loan Details

Sandra Isabel is an enterprising woman. She’s been working as a teacher in a school located in our capital, Managua, for twenty-seven years. Her husband works as a cabinet maker and together they are able to balance out their household expenses. With previous loans she’s been able to adva... More from Sandra Isabel'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

  • $3,636
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,075
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Sandra Isabel to purchase sand, cement, iron, cement blocks, stone and other construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 18, 2013
Apr 2, 2013
Currency Exchange Loss:
Apr 16, 2014