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Flor De Fatima

Update on Flor De Fatima

Flor lives in the Laureles Sur neighborhood with her husband. She helps to cover daily household expenses such as food and basic utilities such as water and electricity. She cares for two children who are in school and hope to continue getting ahead with their studies. Flor, with her meager teacher's salary, puts everything toward helping her children. The loan she is requesting will go toward beginning construction on the perimeter wall of the household, which is necessary due to the high levels of crime in her neighborhood. With this construction she will feel much safer.
View original language description ↓
Doña Flor, habitante del barrio laureles sur, con su esposo se apoya para sufragar los gastos diarios del hogar como la alimentación, cargos básicos de agua luz, tienen dos hijos a su cargo quienes estudian y desean salir adelante con sus estudios y doña Flor con sus pocos ingresos como docente da lo ultimo para apoyarles. El crédito que solicita es para empezar a construir el muro perimetral de su vivienda lo cual es necesario por la alta delincuencia en su zona y con esta construcción se sentirá más segura.

Previous Loan Details

Flor is married. Her husband works for a private business. Her children being in college is one of her missions. Complete construction of her house is a project she has been doing little by little. Thanks to the previous loan from Afodenic, she made the house' porch. Now she will but materials su... More from Flor De Fatima'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
  • 100
    View loans »
    Nicaragua Loans Fundraising
  • $24,396,400
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Flor De Fatima purchase cement, sand, iron, blocks, and gravel.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 11, 2013
Currency Exchange Loss:
Sep 17, 2014