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Martha, thirty-eight years old, is single, has two children, and has worked as an elementary school teacher the last 21 years in the community of Comalapa. She is requesting her tenth loan to buy 3 young bulls and raise them, for she wishes to profit by selling them in the future. She has the help of her friends at work who will permit her to raise the bulls on their small farm. The Dream of doña Martha is that her family has better living conditions and that her children study and become professionals.
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Martha de 38 años es soltera, tiene 2 hijos, labora como maestra de educacion primaria desde hace 21 años en la comunidad de Comalapa, esta solicitando su 10mo credito para comprar 3 toretes y desarrollarlos, pues desea contar con estos para que en el futuro lograr venderlos y sacar ganancia que le permita cubrir necesidades del hogar, ademas cuenta con el apoyo de sus compañeras de trabajo quienes le van a permitir tenerlos en su finquita. El Sueño de doña Martha es que su familia cuente con mejores condiciones de vida, que sus hijos estudien y sean profesionales.

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 Nicaragua

  • $4,800
    Average annual income
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 20.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Martha purchase of three young bulls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2009
Sep 19, 2009
Currency Exchange Loss:
Oct 16, 2010