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Emperatriz is 39 years old, married, and has two children who are in primary and secondary school. She works for the Ministry of Education in the 17th of July school. She has been a teacher for 16 years.

She is asking for her 8th loan in order to build a wall in her children's room with plaster and tiles. They both want to have their own space, and she can try to improve the living conditions of her family.
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Emperatriz de 39 años de edad es casada, tiene 2 hijos, ambos estudiando la secundaria y primaria, labora para el MINED en la Escuela 17 de Julio desempeñandose como docente, con 16 años de servicio.

Esta solicitando su 8vo credito con el objetivo de hacer las divisiones de los cuartos de sus hijos, repellando y embaldosandolo, pues ambos desean tener su propio espacio, y de esta manera tratar de brindar mejores condiciones de vida de su familia.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,754,375
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Emperatriz build a dividing wall in her children's room.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Nov 11, 2010
Jan 1, 2011
Currency Exchange Loss:
Jul 15, 2012