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Ana Rosa

Update on Ana Rosa

Ana is a hard-working woman. She is a saleswoman and used her previous loan to improve the roof of her business. She will now continue with her future and short-term plans of improving her living conditions, the infrastructure of her business and the infrastructure of her home. With this loan, she will buy building supplies such as: sheets of Plycem, cement, bolts, screeds and other materials in order to divide her house up into rooms and tile her floor as this work really needs to be done. She is grateful to the financial institution for the support they have given her in carrying out her plans.
View original language description ↓
Ana mujer trabajadora, comerciante, con el ciclo anterior mejoro el techo del negocio, ahora continuara con su planes a futuro y a corto plazo de mejorar su condiciones de vida, la infraestructura de su negocio y vivienda. Con el préstamo de este ciclo comprara materiales de construcción como: láminas de plycem, cemento, pernos, reglones entre otros materiales para hacer las divisiones de cuarto en su casa, también embaldosar el suelo, siendo de gran necesidad realizarlo. Agradece a la financiera por el apoyo brindado para ir cumpliendo sus planes.

Previous Loan Details

Ana is a young woman of 31 years who is single and lives with her parents. She is a creative woman in that for the past year she and her siblings managed to begin a small bakery with the help and experience of an uncle. With savings for her previous job as a sales executive in a clothing shop, w... More from Ana Rosa's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 52
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Ana Rosa to buy construction materials to tile her house.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 30, 2011
Oct 11, 2011
Currency Exchange Loss:
Mar 15, 2012