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Maria Jose
María José lives in the the Managua barrio. She is 28 years old. She is a single mother to her six-year-old son, who is attending school. María José works full time as a cashier in a used clothes shop. Her priority is to improve the condition of her house, where the roof has become deteriorated due to rust - this is causing water to leak in when it rains. María José is applying for a loan in order to buy zinc sheets and purlins which will give her and her son a secure roof to live under.
View original language description ↓
María José, es habitante de un barrio marginal de Managua, tiene 28 años de edad, es madre soltera de un hijo de seis añitos que ya va a la escuela. María José trabaja por tiempo completo como cajera en una tienda de ropa usada. Tiene como prioridad mejorar las condiciones de su vivienda, el cual presenta deterioro en el techo por el sarro provocando la filtración de agua cuando llueve. Solicita el crédito para comprar láminas de zinc y perlines, para poder garantizar un techo seguro para ella y su hijo.

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 25.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Maria Jose to buy zinc sheets and purlins.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 10, 2013
Sep 21, 2013
Currency Exchange Loss:
Nov 17, 2014