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Norma Vie
Norma’s a single, hardworking mother who sees to her daughter’s well-being. In order to support her, Norma had to leave her when she was still a baby and to work abroad because of Nicaragua’s bad economic situation. The loan she’s requesting is to gradually make some home improvements because her income doesn’t allow her to do all the improvement at one time. She needs to install tile flooring in the house and toilet to have more comfort more so now that she’s in poor physical condition due to a knee injury.
View original language description ↓
Doña Norma, es una madre soltera trabajadora, quien vela por el bienestar de su hija, Norma para mantenerla se vio obligada a dejarla desde muy pequeña para trabajar fuera del país, al ver la mala situación económica de Nicaragua. El crédito que solicita es para ir mejorando su hogar poco a poco ya que su ingreso no le permite realizar estas mejoras de una sola vez. Requiere ponerle cerámica al piso de la casa e inodoro, para gozar de comodidad, más ahora que se encuentra en malas condiciones físicas producto de lesiones en la rodilla.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,075,600
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,475 helped Norma Vie to buy tile, cement, a toilet and to pay labor costs.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 8, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013