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Martha Esther
Martha is a young woman who is 22 years of age. She works as a kitchen operator. Since she has experience in this type of work, Martha decided to open a small food stand in her parents’ home where she sells tacos, enchiladas, “repochetas” (pan fried tortillas with cheese), hamburgers, and sodas. She started this business with her own money and the help of her father. Her work schedule varies, but she makes time to sell.

What she wants is to improve the home in which she lives. Martha plans to replace the zinc roofing sheets, the wrought iron gate, and to make new security bars for the windows since the existing ones have deteriorated in the rain and sun. This will give her home a better image for making sales. She will also have better conditions that will protect her parents against crime.

View original language description ↓
Martha es una joven de 22 años de edad, de oficio operaria de cocina, pues este trabajo le impulso para poner en su casa de sus padres una pequeña venta de tacos, enchiladas,repochetas, hamburguesa, gaseosa, quien comenzo con dinero propio, y ayuda de sus papa. El horario que tiene en su trabajo es variado, es por tal razon le dedica tiempo a la venta.
Lo que ella desea es poder mejorar la casa donde vive, en el cambio del zinc, cambiar porton de verja y hacer las ventanas con verjas, ya que estan bastante desgatadas por la lluvia y sol. Y tener una mejor imagen para su ventas, tambien en mejores condiciones de seguridad a sus padres ante la delicuencia.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Martha Esther to replace the zinc sheeting on the roof and install a wrought iron gate and new security bars on the windows.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 5, 2011
Currency Exchange Loss:
Oct 16, 2012