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Francis Yahaira
Francis struggles daily to improve her living conditions. She lives at the 10-1/2 kilometer mark along the Masaya highway. She and her husband dream with finishing building their house. She and her husband both work for a private firm. Her greatest difficulty is the impossibility of gathering all the money they need for building supplies at one time. With this loan that’s been granted them she will buy the necessary supplies like blocks, cement, sand, iron and gravel and be able to finish the rear section of her house. She is grateful for the support Afodenic and Kiva funds have provided her.
View original language description ↓
La señora Francis trabajadora lucha dia a dia para poder mejorar sus condiciones de Vida, habita en el km 10 1/2 carretera a Masaya, junto a su esposa sueñan con terminar de construir su casa, ella lavora para una empresa privada al igual su esposo, su mayor dificultad es que se les hace imposible recaudar de una sola vez el dinero para compra los materiales, con este credito que se le ha otorgado compra los materiales necesarios como: Bloques, cemento, Arena, Hierro, Piedrin, asi completara la parte trasera de su casa, Agradece el apoyo que Afodenic y Fondos Kiva le han brindado.

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 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Francis Yahaira to buy building supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2013
Jul 1, 2013
Currency Exchange Loss:
Aug 17, 2014