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Maria Isabel
María sells tortillas and pork, and now she also sells clothes. She plans to make more income which will help her with her basic household food expenses and also help her cover her water and electricity bills.

María has the support of her husband who is a gardener by profession. Through Afodenic, she has managed to make improvements. Over four loan cycles, she has increased her sales inventory and also improved her home.

María will use this loan to build a sewage drain so that she can install a toilet and achieve better hygiene. This will mean that sewage no longer passes through the neighborhood. She will pay some people to build her a sewage drain and will buy blocks, iron and cement. She will also buy a toilet.
View original language description ↓
María es comerciante, vende tortillas, carne de cerdo, y ahora está comercializando ropa, teniendo el propósito de captar más ingresos que ayude con los gastos de la canasta básica como gastos básicos de agua y luz.
Cuenta con el apoyo de su esposo de profesión jardinero, atraves de Afodenic ha venido logrando estas mejoras con cuatro ciclos siendo para aumentar el inventario de sus ventas como las mejora de su vivienda.
Hoy con este préstamo hará un sumidero para tener inodoro y lograr mejor higiene, ya que no pasan las agua negras por el barrio. Es por tal razón pagara para que le hagan el sumidero, en donde comprara: bloques, hierro, cemento, para hacer el arranque del sumidero, a si como la compra del inodoro.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Maria Isabel to buy construction supplies such as blocks, cement and iron to build a sewage drain so that she can install a toilet and achieve better hygiene.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 17, 2011
May 23, 2011
Currency Exchange Loss:
Jun 15, 2012