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Josefa is 43 years old and single. She has a seven year old daughter, Leymi, who is in the second grade.

Josefa has worked for the Saint Thomas MINED (Ministry of Education) for 15 years. She is the head teacher at Ner La Union, which is located in the Guabo region.

She is requesting her third loan to build a room on a small patio that her father gave her. That way she will be able to make her little daughter more comfortable.

Her greatest dream is to be able to finish her house and have the basic living conditions in order to live decently.
View original language description ↓
Josefa de 43 años de edad es soltera, tiene una niña de 7 añitos de nombre Leymi estudiando 2do grado de primaria; Josefa labora para el MINED Santo Tomas desde hace 15 años como directora en el Ner La Union, ubicada en la comarca el Guabo.

Esta solicitando su 3er credito con el objetivo de construir un cuarto en un pequeño patio que le regalo su papa y asi poder brindarle a su pequeña hija mejor comodidad.

Su mayor sueño es poder terminar su vivienda y contar con las condiciones basicas para vivir dignamente.

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
  • 75
    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 $700 helped Josefa to build a room.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 20, 2010
Dec 1, 2010
Currency Exchange Loss:
Apr 15, 2012