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Maria Andrea
Señora Maria Andrea is 39 years old, a single, hard-working mother of three children. Since her youth she has worked in domestic services, since she did succeed in completing her schooling due to lack of economic resources. It is for this reason that she has her children studying, so that they can complete their schooling.

For her, it has been difficult to make improvements in her house by herself, but she has progressed little by little with the support that Afodenic has given her through her loans, since now, with everything expensive and her earning little, it isn't possible to do a project. With this loan, she will buy construction materials to make a room in the back part of her house. Since her small house is made of blocks but the room (to be replaced) and the kitchen are of zinc and are already old, what she wants is to begin building and to be able to have more comfort as well as better hygiene. For this project, she will buy blocks, sand, iron, and cement to begin. Her goal is to complete all of her house in concrete, since (with the present zinc construction of the room and the kitchen) she is on the watch for crime every day. She is motivated by the loans, thanks to which she is is able to make a better house.

View original language description ↓
La señora Maria Andrea tiene 39 años de edad, madre soltera de tres hijos, muy trabajadora desde su juventud ha trabajado en servicios domestico ya que no logro culminar sus estudios por falta de recursos económicos. Es por eso tiene estudiando a sus hijos para que puedan culminar sus estudios. Para ella ha sido difícil sola poder hacer las mejoras de su vivienda pero ha ido poco a poco con la el apoyo que Afodenic ha dado mediante sus financiamientos ya que ahora con todo caro y ganando poco no se puede hacer una obra. Con este préstamo comprara materiales de construcción para poder hacer un cuarto en la parte de atrás ya que su casa es de bloque pequeña pero el cuarto y la cocina es de zinc y viejo ya, el cual desea comenzar a construir y poder tener mejor comodidad como mejor higiene para esta obra comprara: bloques, arena, hierro, cemento para comenzar. Su meta es poder terminar toda su casa de concreto ya que la delincuencia asecha a diario. Esta motivada con los financiamiento que gracias a estos esta haciendo posible una mejor vivienda.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Maria Andrea buy blocks, sand, iron and cement to begin construction of a room.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 30, 2010
Feb 3, 2010
Currency Exchange Loss:
Nov 15, 2010