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Maria Senelia

Update on Maria Senelia

María Senelia is a humble woman who searches for ways to provide for her family. She is still working for an internet café. Even with her very low income, she always aspires to improve her home. However, due to her financial difficulties, she is applying for a sixth loan to continue improving her house.

This time, she will finish the addition of a room which she built with a previous loan, thus giving a better quality of life to her children so that she can see them grow up in a good atmosphere. She can always count on her husband's help.
View original language description ↓
María Senelia, una humilde señora que busca como salir adelante junto a su familia, continua laborando en un Cyber Café, aun con sus ingresos muy bajos ella siempre aspira a mejorar su viviebda pero debido a la dificultad económica solicita un sexto crédito para seguir mejorando su casita, esta vez le dará fino al anexo de cuarto que construyo con el préstamo anterior y así darle mejor calidad de vida a sus hijos y verlos crecer en un buen ambiente, siempre contando con la ayuda de su esposo.

Previous Loan Details

Maria Senelia is married and has four children. The two oldest work and support their parents with the home's expenses. The two youngest are in secondary school. Her husband works as a security guard and helps her with the home's expenses. Maria Senelia has worked as a domestic employee for t... More from Maria Senelia'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
  • 128
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Maria Senelia to buy cement and sand.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Apr 6, 2013
May 7, 2013
Currency Exchange Loss:
Aug 17, 2014