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Yelba Mabel
Yelba is 24 years old and has worked as a secretary for the Ruben Dario Institute for five years. She has two daughters. Her partner in life works as an elementary school teacher, but is also a college instructor at the University of the Autonomous Regions of the Nicaraguan Caribbean Coast (URACCAN). Their incomes help with the loan payments since they are a close family.

Yelba is requesting a Kiva loan, her second with AFODENIC, so that she can install a floor in her home. This will improve her living conditions, as well as those of her family. According to her references, Yelba is very responsible with her commitments.

Her dream is for her daughters to grow up healthy and to see her family remain together.

View original language description ↓
DESCRIPCION: Yelba de 24 años de edad, Labora como secretaria en el Instituto Ruben Dario desde hace 5 años , tiene 2 niñas, su compañero de vida labora como docente de primaria él tambien se desempeña como docente universitario en la Universidad URACCAN el cual ayudara con el pago de sus cuotas ya que son una familia bien unida.

Solicita su segundo crèdito a la Instituciòn mediante Kiva para ponerle el piso a su vivienda y asi mejorar sus condiciones de vida y de su familia, segun referencias es bien responsables con sus compromisos.

Su sueño es que sus hijas crezcan sanas y que su familia permanezca unida.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Yelba Mabel install a floor in her home.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 29, 2011
Mar 1, 2011
Currency Exchange Loss:
Mar 15, 2012