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Maritza, age 25, works as a primary school teacher in the Salomón Ibarra Mayorga School in the community of Los Angeles. She is applying for her fifth loan with the purpose of improving the kitchen in her house. She is well recognized in her community as an honest, hardworking, and very responsible person. She has the support of her husband with her commitments. He helps to make loan payments as a worker for the municipality, where he is employed as the area director for the environment. Maritza's biggest dreams are to keep her family united and offer a dignified home for her two small children where their happiness increases so that they can become a man and woman who are productive members of society.
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Maritza de 25 años de edad, labora como docente de Educación Primaria en Escuela salomón Ibarra Mayorga de Colonia Los Angeles, está solicitando su 5to crédito con el propósito de mejorar la cocina de su casa de habitación, ella es bien reconocida en su comunidad como una persona honesta, trabajadora y muy responsable en sus compromisos adquiridos, ella tiene el apoyo de su marido quien le ayuda a pagar sus cuotas como trabajador de la Alcaldía municipal, quien se se desempeña como director del área del medio ambiente, ella sus mayores sueños son mantener siempre su familia unida y birndarle un lugar digno a sus dos pequeños hijos donde crescan felices para que sean hombres y mujeres de bien para la sociedad.

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
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Maritza to improve the kitchen in her home.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Dec 1, 2011
Currency Exchange Loss:
May 17, 2013