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Celia Rosa

Update on Celia Rosa

Celia, an enterprising, responsible, and hardworking woman, continues in her job as a seamstress in her house. With financing from AFODENIC and Kiva, she is grateful for the confidence given to her.

This time the reason for her loan is to buy the following construction materials: corrugated metal roofing, pennants, gravel, cement, screws, and solder, among others. In this way she will carry out building her room and wattle and daub for the part of the house where the washing area is located.

Celia is planning to continue making improvements on her home in the near future.
View original language description ↓
La señora Celia, mujer emprendedora, responsable y eforzada continua en su oficio de costurera en su casa de habitacion, siendo Afodenic y Kiva los medios de financiamiento ella agradece la confianza dada a su persona. En esta ocasión la razon de su credito es para realizar las compras de los siguientes marteriales de construccion: zinc, estandares, perlines, cemento, golosos, soldadura entre otros y de esa manera llevar a cabo la construccion de su cuarto y un bajarate para la parte en donde se encuentra ubicado el lavandero de su vivienda ; Celia tiene pensado que de aquí a un tiempo ir haciendole mejoras a su hogar.

Previous Loan Details

Doña Celia has been working as a seamstress for 11 years. Currently, she also works as a cleaning lady to be able to cover her household expenses, meaning she is holding down two jobs. She sews in the afternoons and on weekends, taking orders and selling new dresses. Celia wants to buy more ... More from Celia 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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Celia Rosa to buy materials to build her room and wattle and daub.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 17, 2012
Currency Exchange Loss:
Jan 19, 2013