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Denic Maria
Desnic is 23 years old and lives with her husband. They share responsibility for making their loan repayments. They have both repaid previous loans.

Desnic and her husband are teachers. They are both determined young people who like to make progress in life. Desnic is a teacher at Francisco Aaron Joce Elementary School. She has been teaching children from the rural Naciones district for 7 years. She lives in Naciones Unidas district.

Desnic is requesting her fourth loan to buy construction supplies so that she can build a porch on her home. At the same time, she is grateful to Kiva for her previous loan which enabled her to improve her home by plastering the walls.

This young lady has many dreams to fulfil. One of them is to see her house with all the improvements it needs to provide her family with comfortable living conditions. Another one of her biggest dreams is to have children and be able to provide them with the best, a lot of love and devotion.
View original language description ↓
Desnic de 23 años de edad, vive con su esposo quien asume los compromisos de pagos en conjunta con ella, han pagado los crèditos obtenidos; ambos son docente y dos jovenes luchadores que les gusta el progreso, ella trabaja como docente de educaciòn primaria en la Escuela Francisco Aaron Joce desde hace 7 años impartiendo el pan de la enseñanza a niños campesino de la colonia Naciones, es habitante de la zona Naciones Unida.
Solicicita su 4to crèdito para comprar materiales de construcciòn para construir un porche en su vivienda, a la vez agradece a Kiva por el financiamiento anterior esto le permitio mejorar las condiciones de su vivienda al repellar las paredes.

Esta joven tiene muchos sueños por cumplir uno de ellos es ver su casa con todas las mejoras necesarias que le brinde las condiones comodamente a su familia y otro sueño principal es el de llegar a tener sus hijos y poder darles los mejor, mucho amor y dedicacion.

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
  • 57
    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 $1,150 helped Denic Maria to buy construction supplies.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Mar 15, 2013