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Maria Efigenia
M. is a 57 year old married teacher who has worked in the Elaisa Sandoval de Juigalpa school for the past 32 years. She has two college educated children who are both currently priests. She lives with her husband who works in BANCENTRO in Santo Tomas and must travel daily. She is requesting her second loan from AFODENIC in order to improve her home by painting it and repairing the inside as far as the loan will allow. If she can't afford it all with the loan, she will prioritize painting it and will request other loans to finish the rest. She had never used loans before but now feels encouraged by her interactions with AFODENIC and she will continue to work with them.
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La profesora M., casa, de 57 años de edad, trabajadora de la Escuela Elaisa Sandoval de Juigalpa, con 32 años de servicio, con 2 hijos con preparacion universitaria, acutalmente los 2 estan ejerciendo sacerdocio, ella habita en compañía de su esposa quien trabaja en BANCENTRO de Santo Tomas viajando diariamente. La profesora M. esta solicitando su 2do credito el que utilizara para mejora de su vivienda como es pintura de toda su casa y algunas reparaciones internas si el credito lo permite, en caso de no cumplir con todo lo planificado, priorizara la pintura y con otros creditos hará el resto. Ella nunca habia trabajado con creditos, pero ahora se sienta estimulada por la atencion brindada por AFODENIC y continuara trabajando.

Additional Information


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.

About Nicaragua

  • $3,636
    Average annual income
  • 106
    View loans »
    Nicaragua Loans Fundraising
  • $23,723,925
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Maria Efigenia painting the house and doing some repairs inside.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Dec 11, 2008
Dec 11, 2008
Currency Exchange Loss:
Jul 15, 2010