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Francisca Susana
Francisca Susana is a single mother with four children, three of whom are adults and have their own families. They help their mother financially. Francisca is responsible for her youngest child who is 17 years old and in the last year of high school.

She has worked for six years as a caretaker for the organisation INACH in Juigalpa. She is seeking her fifth loan with Kiva partner AFODENIC to improve her house by tiling the living room and bedroom floors which are currently made of earth. During the winter rains they turn into mud.

Doña Francisca is noted for living up to her commitments and is much liked by her work colleagues. To show their affection they have given her the nickname Susanita. Francisca feels very grateful for the loans extended to her by AFODENIC as they have enabled her to improve her own life and that of her family.
View original language description ↓
Francisca Susana es soltera, tiene 4 hijos, 3 son mayores y tienen su familia propia y le ayudan economicamente a su madre, solo tiene a cargo al menor de 17 años quien estudia su ultimo año de bachillerato. Trabaja desde hace 6 años en el INACH de Juigalpa como conserje. Esta solicitando su 5to credito a AFODENIC para mejorar su casa embaldosando su casa (sala y cuartos) pues actualmente es de tierra y durante el invierno se le hace lodo por las lluvias. Doña Francisca se caracteriza por ser muy responsable en sus compromisos, es muy querida por sus compañeros de trabajo que cariñosamente le dicen Susanita. Ademas expresa sentirse agradecida con esta institucion porque gracias a los creditos que le brindan ha podido ir mejorando sus condiciones de vida y la de su familia.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Francisca Susana to tile the living room and bedroom floors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 28, 2009
Dec 1, 2009
Currency Exchange Loss:
Sep 15, 2010