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Julia Martina
Julia is a hardworking woman, a single mother, and her dream is to someday finish her home and provide better living conditions for her daughter whom she supports financially. Julia has been working as a housekeeper in a private home for more than 5 years.

The loan that she is asking for is to buy: zinc, cement, sand, and some to pay the laborers. It is through a lot of effort that she is taking a loan in order to buy what is needed as many times it is difficult to buy the supplies on her own. She thanks Afodenic and Kiva for the support they have given her.
View original language description ↓
Doña Julia es una mejer trabajadora, madre soltera, ella sueña con algún día terminar su casa y darle mejores condiciones de vida a su hija, quien la apoya económicamente en todo, la señora Julia labora como domestica en una casa privada desde hace mas de 5 años, el crédito lo solicita para la compra: zinc, cemento, arena, además pagara la mano de obra. Ya que con mucho esfuerzo ella realiza los crédito para poder comprar lo necesario ya que muchas veces se le hace difícil comprar por su cuenta los materiales, Agradece el apoyo que Afodenic y Kiva le han brindado.

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
  • 130
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Julia Martina to buy construction materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 1, 2013
Currency Exchange Loss:
Dec 17, 2014