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Clementina, 35, is single and has been employed for the last year by Juigalpa City Hall as a Cleaning Lady. She is asking for her first loan to build a retention wall in the rear of her house and also to replace the roof which is in poor condition thus providing her family with better living conditions.
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Clementina de 35 años de edad soltera, labora para ALcaldia de Juigalpa como operario de limpieza desde hace 1 año. Esta solicitando su 1er credito con el objetivo construir el muro de retencion para la parte trasera de su casa y ademas cambiar el techo de su casa que se encuentra en mal estado y de esta manera brindar a su familia mejores condiciones de vida.

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
  • 55
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Clementina to build a wall.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 11, 2011
Apr 1, 2011
Currency Exchange Loss:
Jan 15, 2012