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Enaida is a native of Waspam. She is married with five school-age children. She has over five years of experience as a teacher.

It has been 14 years since she changed the wood of her home. Hoping to improve her home, she requests her first loan to cover the costs of labor and to buy materials: rough-cut and planed lumber, and nails. Her dream is to establish a business and have a concrete house.
View original language description ↓
Enaida: Es originaria de Waspam, casada con 5 hijos, en edad escolar. Cuenta con una experiencia de más de 5 años de ser docente. Desde hace 14 años que no cambia la madera de su vivienda. Con el propósito mejorar su vivienda, solicita su primer financiamiento para comprar materiales: madera rustica y cepillada, clavos y cubrir costos de mano de obra. Su sueño es establece un negocio y tener una casa 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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Enaida to change the wood of her house built on stilts.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 24, 2014
Jun 30, 2014
Currency Exchange Loss:
Jun 17, 2015