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Alba Luz
Forty-one-year-old Doña Alba Luz has worked as a teacher and assistant principal for 24 years in the 14th of September school in the Nuevo Leòn area. Her little girl is 10 years old and is in the fifth grade in the same school. Her husband works on his parents' farm, and he helps his wife with the expenses of their family.
Alba Luz is requesting her eighth loan to repair the kitchen of her home and thereby have better living conditions. It is important to mention that Alba Luz has been very responsible in honoring committments that she has made.
Her biggest dreams are to improve the infrastructure of her house, have good health, and work to assure that her family moves forward and is successful.
View original language description ↓
Doña Alba Luz de 41 años de edad labora como docente en la Esc. 14 de Septiembre en la colonia Nuevo Leòn desde hace 24 años como sub directora, tiene una niña de 10 añitos de edad la cual estudia su 5to grado de educacion primaria en la misma escuelita que su mamá trabaja, su esposo labora como agricultor en la finca de su familia y le ayuda con los gastos económicos de la unidad familiar.

Alba Luz esta solicitando su 8vo crèdito para reparar la cocina de su vivienda y asì tener mejores condiciones, es importante mencionar que Alba Luz se ha caracterizado por ser muy responsable con los compromisos adquiridos.

Su mayor sueño es mejorar la infraestructura de su casa, contar cob salud y trabajo para sacar a su familia adelante.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,236,725
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Alba Luz repair of the kitchen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 31, 2010
Oct 1, 2010
Currency Exchange Loss:
Jun 15, 2012