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Martha Ligia

Update on Martha Ligia

Martha Ligia is a young, single, entrepreneur. She has a pre-school aged nephew who is like a son to her and he depends on her for support. She lives with her parents in Juigalpa Chontales and works as a public school elementary school teacher. She has been making improvements to the house she lives in. With great effort and sacrifice, she was able to close off the part behind the kitchen and it’s now more secure. She needs to buy cement, pebbles, iron bars, and pay for labor, so she can build a room in the front part of the house. This improvement will benefit her and her family so they can live in home that provides more comfort and privacy.
View original language description ↓
Martha Ligia es una joven emprendedora, soltera, tiene un sobrino en edad de Preescolar, es como su hijo depende economicamente de ella, habita en Juigalpa chontales en casa de sus padres; labora como Maestra de Educacion Primaria en una Escuela Pública. ella ha venido realizando mejoras a la vivienda donde habita, con sacrificio y esfuerzo logro realizar proteccion en la parte posterior de la cocina de modo que cuenta con mayor seguridad, pero necesita invertir en construcción de un cuarto en la parte frontal de la vivienda, requiriendo comprar cemento, piedrin, hierro y pagar mano de obra. con esta mejora, se beneficiará ella y su familia, pues contaran con mayor Comodidad y Privacidad en su hogar.

Previous Loan Details

Martha is 34 years old, single and has been working for MINED at the Enrique Tierno Galvan School for the past fifteen years as a primary school teacher. She is asking for another loan, her ninth loan, in order to build an addition to her parent’s house. They would like more privacy and comfort. ... More from Martha Ligia'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
  • 132
    View loans »
    Nicaragua Loans Fundraising
  • $24,558,975
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $825 helped Martha Ligia to buy building materials.
87% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Oct 11, 2013
Currency Exchange Loss: