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Marlin Del Rosario
Marlin, 47, is single. She has worked for MINSA (Nicaragua Ministry of Health) for 25 years. She has two children. One works and is in the fifth year of secondary studies. She lives in her father’s house, but they are working on the paper work to put it in her name.

She is asking for her eighth loan, which will be used to change the roof of her house. The roof is currently in very bad shape. She does not receive help from anyone. But, with her salary, which she has known how to manage, she has been able to get ahead. She has made all of her payments for her loans on time and as agreed upon. She has never been late with any of the loan payments.

She is pleased with the attention AFODENIC offers, and she would not change for another. She is well known, and she very calmly raises her concerns.
View original language description ↓
Doña Marlin es soltera, de 47 años de edad, trabajadora del MINSA, con 25 años de servicio, 2 hijos: uno trabaja y estudia el 5to año de secundaria, habita en casa de su papá pero estan haciendo los tramites para ponerla a su nombre, esta solicitando su 8vo credito el que utilizara para cambiar el techo de su casa que se encuentra en pesimas condiciones, no recibe apoyo de nadie, pero con su salario el que ha sabido administrar ha podido salir adelande y ha cumplido en tiempo y forma con el pago de las cuotas de sus creditos, pues nunca ha presntado ningun atraso. Esta satisfecha con la atencion que brinda AFODENIC y no cambiara por otra, pues ya es muy conocida y con tranquilidad plantea sus inquietudes.

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

  • $4,800
    Average annual income
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Marlin Del Rosario change the roof.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 16, 2009
May 20, 2009
Currency Exchange Loss:
May 15, 2010