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Rosalia is a friendly woman, 30 years old, married, with 2 children. Her oldest is 14 years old and in his second year of secondary school and her youngest is 8 years old in second grade in primary school. She works as a waitress in a restaurant in Rosita. For 12 years she has been living in a home made of concrete and wood. With the goal of improving her home, she is seeking her first loan to buy materials to improve her home's roof: sheet metal, nails, wood, wood treatment, and labor. Her dream is to have a concrete home with basic amenities for her family's comfort.
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Es una señora amable, tiene 30 años de edad, casada, tiene 2 hijos, el mayor de 14 años, cursa su segundo año de secundaria y el menor de 8 años, estudia su segundo grado de primaria. Trabaja mesera en un restaurante del municipio de Rosita. Desde hace 12 años habita en una vivienda de minifalda de concreto y madera. Con el objetivo de mejorar su vivienda, solicita su primer financiamiento para comprar materiales, para mejorar el techo de su vivienda: Láminas de zinc, clavos, madera, material para curar la madera y cubrir costos de mano de obra. Su sueño es tener una vivienda de concreto y con las condiciones básicas para la comodidad de familia en general.

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
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Rosalia to buy materials to improve her home's roof: sheet metal, nails, wood, wood treatment, labor.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Apr 2, 2014
May 14, 2014
Currency Exchange Loss:
Nov 17, 2014