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Mirna Gladys
Mirna S., 31, lives in Laureles Norte in the capital of Managua. She is married, and her husband is a forest technician. She has two children, 5 and 7. They go to elementary school.

She sells pastry and clothes. She has been in sales for six years. She started with loans with her small community bank. Little by little, sales have been growing. Her plan is to be able to set up a bakery on a central street.

With this loan she will reinforce a wall on the inside part of her house. This will provide better security for her family.

She is grateful to the institution for the loan. This is her seventh loan cycle, and she hopes to continue with the institution. Her business, as well as her personal life, has improved.
View original language description ↓
Doña Mirna S. de 31 años de edad, reside en Laureles Norte en la capital de Managua, casada, su esposo es técnico forestal, ella tiene dos hijos de 5 y 7 años de edad, estudiante de la primaria. Su negocio es la venta de repostería y ropa, lleva seis años en las ventas el cual inicio con préstamos en pequeño banco comunal, poco a poco ha ido creciendo. Sus planes es poder instalar una repostería en una calle céntrica. Con este crédito va ha reforzar una pared de su casa en la parte inferior lo cual obtendrá mejor seguridad para su familia. Da las gracias a la institución por el préstamo, este es su séptimo ciclo y espera seguir con la institución ya que ha mejorado su negocio como su vida personal.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Mirna Gladys buy construction materials to make a concrete wall.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 25, 2009
Sep 2, 2009
Currency Exchange Loss:
Sep 15, 2010