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She is 43, single and the mother of two children. The eldest is 26 and is in his first year of university and the youngest is 21 and a senior in high school. For 14 years she has lived in a stilt wooden home. In an effort to have a house with a cement and wood foundation, she is requesting a loan to buy building materials: blocks, cement, and iron, and to hire workers.

Her dream is to give her family adequate living conditions and build a wall around the house for more safety and comfort for her children.
View original language description ↓
Tiene 43 años de edad, es madre soltera de 2 hijos, el mayor de 26 años cursa su primer año de carrera universitaria y el menor de 21 años estudia su cuarto año de secundaria. Desde hace 14 años habita en una casa de tambo de madera. Con el objetivo de construir su vivienda de minifalda de concreto y madera, solicita financiamiento para comprar materiales de construcción: Bloques, cemento, hierro y cubrir costos de mano de obra. Su sueño Su sueño es brindarle a su familia una vivienda con las condiciones adecuadas y construir un muro perimetral, para que le brinde seguridad y confort a sus hijos.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Clara to buy construction materials: blocks, cement, iron, and to hire workers.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 22, 2014
Jun 5, 2014
Currency Exchange Loss:
May 17, 2015