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Rosibel began her work in the field of education 16 years ago in private schools, Rosa Lanzas and San Francisco de Asis, which were not recognized by the ministry of Education, but later named in the NER Sn. Esteban de Juigalpa. For the past 11 years, Rosibel has left her house every day at 6:00 a.m. in order to walk 5km to her place of work at the school every day. Of her two children, the eldest, at the age of 17, is studying his 5th year of secondary school and her other child is currently studying in primary school. She is now pregnant with her third child due to be born in the month of July. During her 7 previous loans, she has demonstrated great responsibility and paid back on time. This credit will be used to change the roof of her house, which currently has a level plastic roof, so that it will not leak water. She is hoping for the loans, even though they are small but they have helped her a lot and also helped they people that work with her. AFODENIC is an organization that treats its clients with great care and respect, in addition, it is the first institution that has offered this support to the salaried sector.

Translated from Spanish by Laura Kirkvold, Kiva volunteer.

La profesora Rosibel inicia su labor educativa a los 16 años en escuela privadas, Rosa Lanzas y San Francisco de Asis 4 años que no fueron reconocida por el ministerio de Educación, posteriormente fue nombrada en el NER Sn. Esteban de Juigalpa, con 11 años de servicios sale de su casa todos los dias a las 6:00 a.m ya que camina 5 Km a pie para llegar a su escuela, ingresando a las 4: 00 p.m tiene 2 hijos el mayor de 17 años estudiando el 5 año de secundaria y el otro primaria, está embarazada esperando el mes de julio para el nacimiento de su tercer bebe, durante sus siete créditos ha demostrado responsabilidad y cumplimiento con sus pagos, este crédito lo utilizará para cambiar el techo de su vivienda sobre todo el de su dormitorio que tiene como cielo razo plástico para no mojarse, manifestó que los créditos aunque pequeños pero le han servido de mucho a ella y a otras personas que trabajan con ella. No piensa quedar mal pues AFODENIC es una financiera que trata con respeto y amabilidad a sus clientes y demas fue la primera institucion que brindó este apoyo al sector asalariado.

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.

About Nicaragua

  • $4,800
    Average annual income
  • 132
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 19.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Rosibel home improvements - change of roof.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 14, 2008
Jul 27, 2008
Currency Exchange Loss:
Sep 15, 2010