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Miriam is from Puerto Cabezas. She is 51 years old, and the single mother of five children. Since 1995 she has had a small grocery store located in her own home. In her small store she sells various products such as basic staples and snacks.

She has been accessing loans through Pana Pana for 14 years, which has allowed her to improve her home by stages with the goal of having a secure place to live that protects her from harsh weather. Currently she is carrying out roof repairs to the home by means of the profits she earns from her business. It has also allowed her to support her children and strive for their sake.

Recently she has requested a new loan to gradually expand and improve her home, with the aim of living in a secure and decent way, and moving forward little by little and improving her quality of life.
View original language description ↓
Miriam es originaria de Puerto Cabezas, tiene 51 años de edad, es madre soltera de cinco hijos. Desde 1995 tiene una pulpería,localizada en su propia vivienda. En su pequeño negocio vende diversos productos, tales como: granos básicos, chiverías.

Tiene 14 años de acceder a créditos con PANA PANA, lo que le ha permitido mejorar su vivienda por etapas, con el proposito de contar con un espacio seguro donde vivir, que le brinde proteccion de las inclemencias climáticas. Actualmente esta realizando reparaciones en el techo de la vivienda, por medio de las ganancias que percibe de su negocio. Tambien le ha permitido apoyar y luchar por sus hijos.

Recientemente ha solicitado un nuevo crédito para ampliar y mejorar su vivienda, con el objetivo de vivir de manera segura, digna, ir progresando y mejorando su calidad de vida.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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
  • $25,384,750
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Miriam to improve her home in order to offer more security and protection from harsh weather.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 31, 2013
Oct 8, 2013
Currency Exchange Loss:
Jul 17, 2014