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Meet Hilda, from the city of Waspam. She's 44 years old, and is married with 6 children. Four are all grown up and two are teenagers in high school. She hasn't changed the wood of her home in five years. With the goal of improving her home, she is requesting this first loan to 1) build the posts of her wood-frame home from concrete, 2) buy construction materials including iron, cement, and blocks, and 3) cover the costs of manual labor. Her dream is to one day have a two-story home made of concrete.
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Hilda: Es originaria de Waspam, tiene 44 años de edad, casada con 6 hijos: 4 son mayores de edad y 2 adolescentes que estudian su secundaria. Desde hace 5 años que no cambia la madera de su vivienda. Con el propósito de mejorar su vivienda solicita su primer financiamiento para construir de concreto los postes de su vivienda de tambo de madera, comprar materiales de construcción: hierro, cemento, bloque y cubrir costos de mano de obra. Su sueño es tener una casa de dos pisos de concreto.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Hilda rebuild the support posts in her home from concrete.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 24, 2014
Jun 30, 2014
Currency Exchange Loss:
Apr 23, 2015