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Update on Andrea

Andrea, 42, is married and has been working as a teacher for 22 years, giving classes to elementary school kids. She has her husband's support, who pays the household expenses. Andrea is asking for a loan to improve her home since the roof is in very bad shape, and she wants to improve her home environment for her family. In her community, she is known as a person with good customs, good relationships and is very appreciated by her students. Her plans in the future are to have a house with a good infrastructure for her family.
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Andrea de 42 años de edad es casada, labora como docente desde hace 22 años, impartiendo clase a niños de Educación Primaria. Cuenta con el apoyo de su esposo que asume los gastos del hogar. Andrea solicita su crédito para mejorar su vivienda reparando el techo de la casa que esta en mal estado y así darle un ambiente mejor a su famlia. En la comunidad es conocida como una persona de buenas costumbres, con muy buenas relaciones humanas apreciada por sus estudiantes, sus planes para el futuro es tener una casa con buena infraestructura digna para su familia

Previous Loan Details

Andrea is married, has two adult daughters, and lives in Colonia Jerusalen, Nueva Guinea. She has worked in the Alejandro Vegas Matus school for 20 years as a teacher in the primary school. With the previous loan she was able to successfully construct a kitchen. Now she is requesting her 7th l... More from Andrea'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
  • 45
    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 $675 helped Andrea to repair her roof.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 28, 2011
Nov 1, 2011
Currency Exchange Loss:
Apr 18, 2013