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Adilia Esperanza

Update on Adilia Esperanza

Adilia is a woman who looks after the well-being of her school-aged children. As they grow, they have more and more expenses. She has the support of her husband, with whom she shares the household expenses.

Adilia needs to build a perimeter wall for her house to provide security for her family. They require better security because they live in a neighbourhood in a marginalized zone. Therefore, she is requesting a loan to buy construction materials to begin the work.
View original language description ↓
Adilia, es una señora que vela por el bienestar de sus hijos quienes estudian, cada vez van creciendo y sus gastos son mayores, ella se apoya con su esposo con quien comparte los consumos del hogar. Adilia tiene la necesidad de construir el muro perimetral de su casa, para brindarle seguridad a su familia, ya que el barrio donde habita es una zona marginal por lo que requiere mejor seguridad. Es por eso que solicita el crédito para poder comprar materiales de construcción para empezar la obra.

Previous Loan Details

Adilia is still working as a cook at a restaurant. On weekends, she earns extra money making soup for sale. Her immediate goal is to improve her house, work that her husband--a driver--supports. Adilia hoped a past loan would be enough to start work, but she needs an extra loan because the ser... More from Adilia Esperanza'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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,034,300
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Adilia Esperanza to buy blocks, iron, sand and cement.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 22, 2013
Jul 7, 2013
Currency Exchange Loss:
Jul 17, 2014