Professor Gina, age 35, has been in charge of training services at an educational institution for 10 years. She is married to Herry Antonio Chacón, and they have a 15-year-old son, who is currently in high school. Professor M. is requesting her third loan, which she will use for home improvement. She used her previous loans for paperwork for graduation courses, and for degree processing. She has been an excellent client with good credit history, and is responsible with her payments and with her loans in general. She is a very self-sacrificing person whose work schedule is from 7:30 am to 8:00 pm from Monday through Saturday. On Sundays, she also works from 7:30 am to 2:30 pm, which means that she only spends time with her son in the evenings and on Sunday afternoons. She works hard, however, with an eagerness to assure better income so that she can face their financial situation. She gets support from her husband, who works in construction. Her mother, who is very close to her, takes care of her home and her son.
La profesora Gina de 35 años de edad trabaja en un instituto como encargada de los servicios de capacitación desde hace 10 años, está casada con Herry Antonio Chacón, tienen 1 hijo de 15 años estudiando el 4to. Año de secundaria. La profesora M. está solicitando su crédito Nº 3 el que utilizará para mejorar su vivienda. Los créditos anteriores los utilizó para trámites de cursos de graduación y tramitación de títulos, ha sido una excelente clienta con buen récord crediticio, responsable con el pago de sus cuotas y sus créditos en general. Es una persona sacrificada ya que su horario de trabajo es de 7:30 am a 8:00 pm de lunes a sábado y el domingo de 7:30 am a 2:30 pm; únicamente pasa con su hijo por las noches y el domingo la tarde, esto lo hace con el afán de asegurar un mejor ingreso y hacer frente a la situación económica, recibe apoyo de su esposo quien trabaja en construcción. Su casa y su hijo son cuidados por su mamá que está cerca de ella.
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.