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Esther Magdalena
Thirty-year-old Esther Magdelena is married and has worked for 10 years as a high school teacher in the Paulino Halsall school of the Yolaina area of Nueva Guinea. She has a darling, two-year-old baby. Her husband is also a teacher in the same school. She and her husband share family expenses and committments; they are a very close family.
Esther is requesting her fifth loan to install ceramic tile in her small home and thereby give better living conditions to her daughter.
Doña Esther is very grateful to AFODENIC. With previous loans, she was able to obtain her own home and improve the living conditions of her family. Her biggest dreams are that her family always remains close, has stable employment, and is on good terms with God.
View original language description ↓
Esther Magdalena de 30 años de edad es casada, trabaja desde hace 10 años como docente de secundaria en la Escuela Paulino Halsall de la colonia Yolaina de Nueva Guinea, tiene una bebita de 2 añitos de edad, su esposo tambien trabaja como docente en el mismo colegio y comparten los gastos familiares y los compromisos adquiridos ya que son una familia muy unida.

Esther està solicitando su 5to credito para hecharle la ceramica a su pequeña vivienda, y asi brindarle mejores condiciones a su hija.

Doña Esther expresa sentirse muy agradecida con AFODENIC ya que por medio de los créditos obtenidos han logrado obtener su propia vivienda y han mejorado sus condiciones de vida y la de su familia, su mayor sueño en la vida es que su familia permanezcan bien unida, tener estabilidad laboral y estar bien con Dios.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Esther Magdalena install ceramic floor tile.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 31, 2010
Oct 1, 2010
Currency Exchange Loss:
Feb 15, 2012