Check out some available loans that are similar to this one!
Escarlet Lourdes

Update on Escarlet Lourdes

Escarlet is single and struggles alone every day in life to get ahead, with the help of her children who are all independent. She works as a concierge at an institution and is requesting a loan to invest in home infrastructure. Her previous loan was used to buy beams to put up a wall so she was unable to repair her roof. But now, with winter just around the corner, the roofing must be repaired to eliminate leaks. She hopes this loan will help solve the problem by allowing her to buy materials such as tin sheeting and support beams to begin the project and improve her living conditions.
View original language description ↓
Doña Escarlet, una mujer soltera que sola viene luchando en la vida para poder salir adelante, junto a sus hijos quienes ahora ya son todos independientes que le ayudan a ella, doña Escarlet labora siempre como conserje para una institución. Solicita el crédito para invertirlo en infraestructura, el último solicitado no pudo realizar el cambio de techo porque tuvo la necesidad de comprar piedrines para levantar una pared, pero siempre está con la urgencia de cambiar el techo, más ahora que viene el invierno y tiene muchas goteras, lo que espera solucionar con este cuarto crédito con el que comprara los materiales como laminas de zinc y perlines para empezar la obra y vivir en mejores condiciones.

Previous Loan Details

Escarlet Ruiz continues working for a private company, performing her role as a concierge. She will use the credit that will be granted to her on this occasion for the improvement of her home's roof. She will purchase the following materials: sheets of tin, soldering, support beams, and metal s... More from Escarlet Lourdes'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
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,535,925
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Escarlet Lourdes to buy tin sheeting and support beams.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 17, 2013
Currency Exchange Loss:
Jul 17, 2014