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Update on Sabina

Sabina lives with her family in one of Managua’s marginal neighborhoods. She’s seeking ways to make progress in life. Her children are continuing to prepare themselves at present; they work and study in order to help out their mother as does her husband too.

Sabina continues building rooms that she started some time ago but has been unable to complete because of her low school teacher’s salary. To date, she’s been able to erect the walls but still needs to do the roof, floor, windows and to plaster the walls. She hopes with this loan to be able to finish the project which will provide more security and comfort for her family.
View original language description ↓
La señora Sabina, habitante de un barrio marginal de Managua, con su familia busca como progresar en la vida, sus hijos hoy en día continúan preparándose, ellos trabajan y estudian para apoyar a su madre al igual que su esposo. Sabina continua con la construcción de cuartos que ha empezado hace bastante, el cual no ha podido terminar por su bajo ingresos económicos como docente de un colegio. Hasta el momento ha podido levantar paredes teniendo pendientes poner el techo, el piso, las ventanas y repellar las paredes con este crédito tiene la esperanza de poder culminar esta obra que le permitirá mayor comodidad y seguridad a su familia.

Previous Loan Details

Sabina is still working as a teacher. Her children are in school, and her husband works in computer maintainance. Up to now she has made progress in improving her house by having these loans with Afodenic. Sabina is resting at home, as she fell when she was going to work and broke her foot, an... More from Sabina'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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 25.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Sabina to buy building supplies.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 9, 2013
Currency Exchange Loss:
Dec 17, 2014