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Doña Sabina is a teacher by profession, with many years of experience. She is the mother of three children, whom she has succeeding in educating, with the effort and support of her husband. He works in computer maintenance. Sabina has been working on improving their home. With the loan that Afodenic previously financed, she was able to do the kitchen, although there are still some remaining details that she hopes to continue to work on. Now with this new loan, she will be able to improve the infrastructure of the bathroom, so that there will be sliding doors, a roof and walls. What makes her happy about this is that she will be able to provide better hygiene conditions and safety to her children.
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Doña Sabina de profesion docente, con varios años de trabajo, madre de tres hijos que con esfuerzo y apoyo de su esposo han logrado dar educacion. El labora en mantenimiento de computacion.
Sabina ha venido mejorando su vivienda, con el credito que Afodenic ha dado atravez del financiamiento, anterior logro hacer la cocina, que a un faltan detalles que espera seguir haciendo. Hoy con este nuevo financiamiento podra mejorar la infraestructura del baño, en donde hara division con puerta corredizas, techo y pared.
El cual esta contenta, por dar mejores condiciones de higiene y seguridad a sus hijos.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Sabina to buy construction materials to finish her bathroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 16, 2011
Aug 19, 2011
Currency Exchange Loss:
Aug 16, 2012