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Mrs Ivania F. M. is 41 years old and lives in the Laureles Norte neighborhood. She is married and her husband works as a driver, supporting the household expenses. They have two children: one is only four years old and the other 14. They go respectively to pre-school and high school.

She runs her own business selling household products, personal items and groceries. She began her business through her own efforts; prior to that she was a schoolteacher and thanks to savings and her settlement was able to make a start.

They live in a humble house. It is for her home that she is seeking a loan: to buy construction materials and build a wall in the back of the home. This will provide more safety and comfort, particularly for the small one who plays in that area of the house.
View original language description ↓
La señora Ivania F. M., tiene la edad de 41 años, habita en el Barrio Laureles Norte, es casada, y su esposo labora como conductor, apoyando a los gastos del hogar, tiene 2 hijos uno es pequeño de 4 años y el otros de 14 años, ellos estudian la escuela secundaria y el preescolar respectivamente, ella es administradora de su propio negocio de venta de productos domésticos, personales, abarrotes, ella comenzó su negocio, gracias a su esfuerzo propio, ella era maestra de primaria, y con sus ahorros y liquidación, inicio su negocio, ellos habitan en una humilde casa, y es para su hogar que solicitan un préstamo para la compra de materiales de construcción que permitan edificar un muro en la parte trasera de su hogar, que favorezca a la seguridad y comodidad del pequeño sobretodo por que el juega en esa zona de la casa.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Ivania construction of a wall in the back of her home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 23, 2010
Nov 2, 2010
Currency Exchange Loss:
Oct 15, 2011