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Sandra Johana
Sandra is the mother of three children. She is 31 years old and married. Her husband is a cook in a hotel.

Sandra's business is making 'nacatamales' (Nicaraguan 'tamales' - steamed corn dumplings with a savoury filling, wrapped in a plantain leaf). She sells these in her neighborhood. She works with her own money which her husband gave her. Sandra's is a family with few means of support. They still haven't managed to convert their house to concrete yet. This is her goal because as a mother she needs to look after her children's welfare.

Sandra would like to buy building materials such as stone, sand, cement and iron, and to begin building the front part of her house from concrete. She is happy because thanks to this loan from Afodenic she will be able to raise the walls of the house which for her is great progess.
View original language description ↓
Sandra es madre de tres hijos, tiene la edad de 31 años, casada, siendo su esposo cocinero de un hotel.
Se dedica al comercio de elaboración de nacatamales en donde los vende en el mismo barrio. En donde trabaja con su propio dinero que su esposo dio.
Es de poco recursos económicos, aun no han logrado hacer su casa de concreto lo que es su objetivo como madre para dar un bienestar común a sus hijos.
Lo que desea comprar es materiales de construcción como. Piedra, arena, cemento, hierro y comenzar a construir la parte de enfrente de su casa de concreto. Contenta porque gracias a este financiamiento en Afodenic podrá levantar las paredes lo que es para ella de gran progreso.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Sandra Johana to buy building materials and build the walls of her house from concrete.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 30, 2010
Nov 9, 2010
Currency Exchange Loss:
Nov 15, 2011