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Leoncio De Maria
Leoncio M., 47, has been a very hard-working man since his youth. He has worked selling bracelets, hair gel, door locks, chain bracelets, sweets, among others. He and his wife had 4 children who are still in school preparing for a better future since the parents were unable to finish school for lack of economic resources. Their home is very humble and little by little he has been making improvements to it. With a previous loan he bought zinc metal sheeting and edging to replace the roof, which was in bad contidition. This financing will be used to buy building materials like rock, sand, and cement to put up some room divisions so that he and his wife can have some privacy from their children. His and his wife's life has not been easy. She emigrated to Panama to work as a caretaker because she hadn't been able to find work in her own country. His life hasn't been any easier either since he has to care for the children and work to support them; even though his wife sends some money home it's a big responsibility for him. What he most wishes for is to be reunited with his wife whom he hopes will return to stay. He is grateful to Afodenic because it has been the source of help to improve his small dwelling and have a better place to live.
View original language description ↓
Don Leoncio M. es un hombre muy trabajor desde su juventud, atrabajado como vendedor ambulante de pulseras, gel para cabellos, chapas, pulseras cadenas, golosinas entre otros productos, tiene 47 años de edad, junto con su esposa procrearon cuatro hijos de los cuales aun están estudiando para un porvenir mejor, ya que para ellos fue difícil terminar sus estudios debido a la falta de recursos económicos de sus padres. Su casa es muy humilde y ha ido poco a poco mejorando con el préstamo anterior compro zinc y reglones para cambiar el techo ya que estaba en malas condiciones. Y con este financiamiento lograra comprar materiales de construcción como piedra, arena, cemento para hacer las divisiones y poder tener una privacidad junto sus hijos. La vida de el como la de su esposa no ha sido fácil, ella emigro al país de Panamá a trabajar como conserje ya que aquí se le había hecho difícil encontrar trabajo en su país. A un para el ha sido mas difícil por que tiene que cuidar a sus hijos y poder apoyarlo así como trabajar para que no le falte nada, aunque ella envía remesa es una gran responsabilidad para el, lo que mas desea es poder estar otra vez junto con su esposa que espera que regrese para quedarse. Agradecido con Afodenic ya que ha sido el apoyo para poder hacer las mejoras en su pequeña vivienda, y poder lograr un techo mejor cada día.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,395,725
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Leoncio De Maria to buy stone, cement and sand for home improvements.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 11, 2009
Dec 14, 2009
Currency Exchange Loss:
Oct 16, 2010