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Maritza is 49 years old and lives with her partner, Mr. Rafael Soza. During their relationship the have not had any children, and they adopted a girl who is now 12 years old and is in her first year of junior high school. Her life partner has his own business, a bar called El Recreo, that he administers and helps her with the home expenses. Maritza has been working as head of infirmary in MINSA's Coral Health Center for the past 10 years from Monday to Friday, and on weekends she helps him with the business. She is asking for her 5th credit to be used for the repair of her roof, which is in a bad state, and with the upcoming winter she does not want her family or her customers to get wet. She is known to pay her loans responsibly, and despite her constant work rotation she has always had a good credit record.
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Maritza de 49 años de edad, vive en union libre con el Sr. Rafael Soza, durante su relacion no procrearon hijos, adoptaron una niña la cual tiene 12 años y esta cursando el 1er año de secundaria, su compañero de vida tiene un negocio propio en la casa un bar llamado El Recreo, este es administrado por el y le apoya con los gastos del hogar. Maritza trabaja como responsable de enfermeria en el Centro de Salud del Coral del MINSA desde hace 10 años con horario de lunes a viernes, el fin de semana ayuda en el negocio. Está solicitando su 5to credito para utilizarlo en la reparacion del techo de su casa, el cual se encuentra en mal estado, y con el invierno no quiere que su familia, ni los clientes se mojen. Se caracteriza por ser una persona responsable en el pago de sus creditos, y a pesar de la constante rotacion en su trabajo siempre se ha observado un excelente record crediticio.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Maritza roof repair.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 16, 2009
Jul 1, 2009
Currency Exchange Loss:
Mar 15, 2010