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Juana is a hard-working woman. She is a teacher by profession and has 27 years experience. She has managed to educate her two children and make improvements to her home which has been her goal all these years.

Juana currently needs to replace her roof but she doesn't have enough capital. For this reason, she is requesting a loan. She will buy metal sheets, beams and bolts so that she can start the work.

Juana is happy that she will be able to make this improvement before the winter comes. She is also happy that she can pay by instalments at a low interest rate.
View original language description ↓
Juana es mujer trabajadora, de profesión docente con veintisiete años de experiencia, en donde ha logrado educar a sus dos hijos, así como las mejoras a su casa. El cual ha sido el objetivo todo estos años.
Hoy en día necesita reparar el techo, pero no cuenta con todo el capital, lo que recurre al financiamiento para lograr el cambio. Comprara láminas de zinc, perlines, golosos, para comenzar la obra.
Contenta ya que podrá hacer esta mejora ante del invierno, así como pagar a plazos y cuotas a bajo interese.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 22.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Juana to buy metal sheets, beams and bolts to replace her roof.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 15, 2011
Apr 25, 2011
Currency Exchange Loss:
Oct 15, 2011