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Silvia Filomena
Silvia is a Stylist by profession; she has several years experience since she was able to open her own beauty salon where she provides services daily earning income to cover expenses and improve her home.

Thanks to Afodenic loans she’s been improving its infrastructure. Her previous loan was to be used to replace the roof but because her budget wasn’t enough she diverted the loan to tile the bathroom and buy a toilet. She will use this loan to repair the roof since she’s managed to save up part of the money and got some from her children because the roof is in such bad state that she wants to replace it entirely. She will buy zinc metal sheeting, purlines and screws to start the project.
View original language description ↓
Silvia de profesión estilista con varios años de experiencia, pues logro poner su propio negocio un salón de belleza, donde día a día da su servicio, para lograr ganar y cubrir sus gastos.
A si como la mejora a su vivienda, que gracias a los préstamos que Afodenic está dando ha mejorado la infraestructura, con el crédito anterior era para cambiar el techo pero debido a que no ajusto con el presupuesto, desvió el crédito y hizo el baño con azulejos a si como la compra del inodoro. Lo que con este crédito repara el techo, ya que logro ahorrar parte del dinero, a si como una parte que dieron sus hijos, ya que quiere hacer cambio total, por estar en mal estado. Comprara láminas de zinc, perlines, golosos para comenzar la obra.

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 Nicaragua

  • $4,800
    Average annual income
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Silvia Filomena to buy building materials and supplies to replace her entire roof.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 19, 2011
May 1, 2011
Currency Exchange Loss:
Jul 15, 2012