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Maria De La Cruz

Update on Maria De La Cruz

Maria de la Cruz, age 59, lives in La Colonia Los Ángeles in Nueva Guinea, RAAS. She has been producing basic grains on her farm for many years. She does this with her children, who help her with the business operations.

Maria needs to make improvements to the condition of her house. It is in a bad state. She feels that it does not provide the necessary conditions to live in it safely during the wintertime. Maria is requesting the loan to buy quarried stones, cement blocks, cement, zinc, and to pay for the labor.
View original language description ↓
Maria de la Cruz es una persona de 59 años que habita en La Colonia Los Ángeles de Nueva Guinea RAAS, por muchos años se ha dedicado a la producción en granos básicos en sus fincas, la cual desarrolla a la par de sus hijos, quienes les ayudan en las actividades operativas. María tiene la necesidad de mejoras las condiciones de su vivienda, la cual se encuentra en mal estado. Ella considera que para la temporada de invierno esta no presta las condiciones necesarias para habitarla con seguridad. Maria solicita el crédito para la compra de piedra cantera, arena, bloque, cemento, zinc y el pago de mano de obra.

Previous Loan Details

Maria de la Cruz is 56 years old. She is a farmer who lives with her adult son, Eddy, who works for Escasan (a Nicaraguan veterinarian supply company) and helps her with the household expenses. Maria receives her income from selling milk and livestock. In addition, she is the deeded property... More from Maria De La Cruz'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
  • 126
    View loans »
    Nicaragua Loans Fundraising
  • $24,592,950
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,175 helped Maria De La Cruz to buy quarried stones, cement blocks, cement, zinc, and to pay for the labor.
62% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 8, 2014
Apr 17, 2014
Currency Exchange Loss: