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Maria Teresa
Maria Teresa is 50 years old, single, and has worked for the City of Juigalpa as Council Secretary for two years. She is requesting her 8th loan with the aim of continuing to improve her home. With this loan she would like to finish a room, build a drain and install bathroom facilities so that she can provide her family with better living conditions. She says that she feels very grateful to Kiva as they have allowed her to improve her home and provide her family with more comforts.
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Maria Teresa de 50 años de edad es soltera, labora para la Alcaldia de Juigalpa desde hace 2 años como Secretaria del Consejo. Esta solicitando su 8vo credito con el objetivo de continuar mejorando su casa, esta vez para terminar el cuarto y construir un sumidero e instalar los servicios higienicos, para asi brindarle a su familia mejores condiciones de vida. Expresa sentirse muy agradecida con kiva ya que le ha permitido mejorar su casa y brindarle a su familia mayor comodidad.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Maria Teresa to build a drain.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 11, 2010
Feb 1, 2011
Currency Exchange Loss:
Apr 15, 2012