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Maria Antonia
Mrs. Maria Antonia has been working in domestic service for five years, a job that is tiring and low-paying. She is a single mother of three children, two of which immigrated to Costa Rica because of the high unemployment rate, low pay, and bad economic situation in the country. Her youngest child is 7 years-old and in second grade in elementary school. Maria Antonia's house is small, but because of the need to earn money she took the initiative and decided to rent out one room to help with the basic costs of water and electricity. With the previous loan she finished building and furnishing the room. With the funds from this loan she will buy the materials to build another room: stone, sand, cement, iron, zinc, and beams, all with the goal of saving for the future. Maria Antonia is already 52 years-old, and she feels tired. She is grateful for Afodenic and the support their loans provide for poor women.
View original language description ↓
Doña Maria Antonia trabaja en servicios domésticos, desde hace cinco años, trabajo cansado, y gana poco, madre soltera de tres hijos de los cuales dos emigraron a Costa rica por la mala situación económica del país, el desempleo, y pagas muy bajos. el pequeño de 7 años lo tiene estudiando su segundo grado en la primaria, Su casa es pequeña y con la necesidad de ganar dinero tomo la iniciativa de alquilar un cuarto para poder ayudarse con los gastos básicos de agua y luz. Con el crédito anterior lo termino de construir y acondiciono. Y con este financiamiento construirá otro cuarto el cual comprara: piedra, arena, cemento, hierro, zinc, perlines con el fin de poder ahorrar para un futuro. Ya que tiene 52 años de edad, y siente cansada. Agradece Afodenic por el apoyo con los préstamos a mujeres pobres.

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
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Maria Antonia purchase of stone, sand, cement, iron, zinc, and beams to build a room to rent.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 21, 2009
Nov 28, 2009
Currency Exchange Loss:
Aug 15, 2010