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Rosa Amelia
Sra. Rosa Amelia is 44 years old, single, and lives in the Fonseca subdivision. She has been working as a teacher at the Rafaela Herrera School in the city of Nueva Guinea for 14 years. Rosa Amelia has a son who is 24 years old.

She is requesting refinancing through her fourth loan using Kiva funds. She plans to purchase building materials so that she can continue with the construction of her house and gradually improve her living conditions.

Rosa Amelia says it is difficult to make improvements to her home on her salary, but the loans make this a possibility. Her dreams for the future are to get to know her grandchildren, serve God, experience good health, and have her family stay together.

View original language description ↓
La señora Rosa Amelia de 44 años de edad es soltera, vive en la colonia la Fonseca, trabaja como docente de la Escuela Rafaela Herrera del municipio de Nueva Guinea desde hace 14 años, tiene 1 hijo de 24 años de edad.-
Està solicitando refinanciamiento de su 4to crèdito con el fondo kiva, con el cual piensa comprar materiales de construcciòn para hacer una habitaciòn y asi poco a poco mejor sus condiciones de vida.

Expresa que con su salario es muy dificil mejorar su casa, pero con los creditos puede hacerlo; su sueño en el futuro es conocer a sus nietecitos y servir a Dios, tener salud y que su familia permanezca unida.

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
  • 75
    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 Rosa Amelia purchase building materials to continue with the construction of her house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 25, 2010
Apr 18, 2010
Currency Exchange Loss:
Mar 15, 2012