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Janina De Los Angeles
Janina is in charge of imports for a private company. She has been working there for three years, and manages to support her parents, as she still lives with them. She is single, and plans to take a course in English.

Her goal has been to have a better roof for her parents, and she opted for a loan to build her own room, which is still not finished. But it is also really important for her to put a roof on the area behind the house. This will consist of a covered porch and tiled area. This is because water is getting into the house, and they want to deal with that situation.

She will buy construction materials such as zinc sheeting, purlins( structural roof members), sheet metal screws, cement, and iron, then start construction. This is the most viable approach, as she is spreading out her costs, and continuing to support her parents. In the process, she is completing her own home.
View original language description ↓
Janina de profesion reponsable de importaciones en una empresa privada, lleva tres años laborando, en donde logra apoyar a sus padres, ya que vive con ellos aun. Es soltera y tiene previsto tomar un curso de ingles.
Su objetivo ha sido, un mejor techo para sus padres, en donde opta al financiamiento, para lograr hacer el cuarto propio de ella, que aun no termima, pero le es de gran relevancia, poner techo en la parte de atrás, como un bajarete y embaldozar, ya que el agua se le mete para adentro de la casa, y desean mejorar esa condicion. Lo que comprara materiales de construccion, laminas de zinc, perlines, golosos, cemento, hierro y comenzar la obra, siendo este medio el mas viable. Ya que distribuye sus gastos, y mantener el apoyo a sus padres. Mientra forma su propio hogar.

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
  • $26,282,975
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Janina De Los Angeles to buy construction materials to build a covered porch and tile the area behind her house.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 29, 2011
Sep 11, 2011
Currency Exchange Loss:
Aug 16, 2012