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Julia is a 53 years old single mother of two adult daughters. She has worked as a teacher in the Cesar Augusto Salinas Pinell de Nueva Guinea School for 32 years. She is known as a responsible and very hardworking woman. Her older daughter lives with her because she finds herself unemployed, and her daughter helps her with housework. With this loan she intends to construct a room that will improve the comfort and privacy in her home. The house only has one room right now. The dream is to improve her house little by little with her credit and help her family as much as possible with the little economic resources she has.
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Julia de 53 años de edad es madre soltera de 2 hijas mayores de edad, trabaja como docente en la Escuela Cèsar Augusto Salinas Pinell de Nueva Guinea desde hace 32 años, se caraceteriza por ser una mujer responsable honesta y muy trabajadora, su hija mayor vive con ella, y como se encuentra desempleada le ayuda hacer los quehaceres del hogar, con este prestamo pretende construir una habitaciòn, para tener mejor comodidad en el hogar y privacidad ya que solamente tiene una habitaciòn en la casa, el sueño es poco a poco ir mejorando su vivienda con los crèditos y ayudar a su familia en lo que mas pueda ya que son de escasos recursos econòmicos.

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 Nicaragua

  • $4,800
    Average annual income
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Julia building a room.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 26, 2010
Mar 11, 2010
Currency Exchange Loss:
Mar 15, 2012