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Estela Claribel
Estela is a 40 year old single mother. Her sons are aged 15 and 12 and attend school. She is requesting her third loan so that she can make improvements to her home. The floor and one wall are in need of repair. If there is enough money left over, she would like to buy a new door and windows so that her family can be more secure. She has the support of her domestic partner who works as a mason and who will do the work for her. She dreams of having a nice home so that her family can live well. She hopes to get support from AFODENIC and KIVA to be able to complete this project.
View original language description ↓
Estela Claribel de 40 años de edad es soltera, tiene 2 hijos, el mayor de 15 y el menor de 12, los cuales estudian. Estela esta solicitando su 3er credito con el objetivo de mejorar su vivienda, pues necesita reparar el piso y una pared de su casa que se encuentran en mal estado, ademas, si el dinero alcanza desea comprar una puerta y ventanas de su casa para brindar mayor seguridad a su familia. Cuenta con el apoyo de su compañero de vida quien trabaja como albañil, quien le hara los trabajos que desea. El mayor sueño que tiene es poder tener su casa bonita con las condiciones necesarias para que su familia viva bien. Espera contar con el apoyo de AFODENIC y KIVA para realizar este proyecto.

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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Estela Claribel building supplies.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 12, 2010
Feb 19, 2010
Currency Exchange Loss:
Jul 15, 2011