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Norma Petronila
Doña Petronila is 50 years old. She is a primary school teacher by profession, and her husband works as a professional photographer. She is the mother of three children, the oldest of whom works.

Her objective has been to improve her house, which she built with her husband. They have worked hard to put a roof over their children's heads.

Currently Doña Petronila has been promoted to be Director of an educational center, as a result of her good conduct and good work, which she is satisfied about.

What she wants to do is build a perimeter wall to keep her land separate from her neighbor, as only a part is closed off and the other part is not. This is why she needs to start the wall, which will provide her property with security. She is looking for financing for Afodenic for this, so she can buy construction materials of sand, cinderblocks, iron and gravel so she can start her work.
View original language description ↓
Doña petronila tiene la edad de 50 años, de profesion docente de primaria, casada, su esposo labora como fotografo profesional, madre de tres hijos, el mayor trabaja.
Como objetivo ha sido la mejora a su casa, que junto a su esposo han construido, y que se han esforzado mucho para hacer posible un techo para sus hijos, hoy en dia doña Petronila fue asendida a directora del centro escolar, por su buena conducta, por su buen su trabajo, el cual esta sastifecha.
Lo que quiere hacer es un muro perimetral, y quedar dividido con el vecino sus tierras, ya que solo una parte tiene cerrada y la otra parte no, es por eso necesita comenzar el muro, el cual dara seguridad a su propiedad, el cual busca financiamiento en Afodenic, en donde comprara materiales de construccion en arena, bloques, cemento, hierro, piedrin, para comenzar su 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 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
  • 60
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Norma Petronila to buy construction materials to start building a perimeter wall to secure her property.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 24, 2011
Sep 6, 2011
Currency Exchange Loss:
Aug 16, 2012