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Rosa Maria

Update on Rosa Maria

Rosa Maria, 36 years old and married, works as an elementary school teacher and has the financial support of her husband, which covers their household expenses. Rosa is taking out her fourth loan in order to finish with the construction of her kitchen and realize better conditions for her home. She and her husband carry on with a great deal of diligence and responsibility and they are both recognized in their community as responsible and principled people. Every day, she heads out by truck at 6:00 in the morning to take on the task of teaching the rural children in her community. Her big dream is to have a home with better conditions, like everyone hopes for, to enjoy her health and that her family remains close.
View original language description ↓
Rosa Maria de 36 años de edad es casada, trabaja como docente de primaria, cuenta con el apoyo de su esposo que asume los gastos del hogar; Rosa solicita su 4to crèdito para concluir la contrucciòn de su cocina y de esta manera tener mejores condiciones en su hogar, se desempeñan con mucha dedicaciòn y responsabilidad, en la comunidad ambos son reconocidos como personas responsables y con buenos principios, Todos los dias tiene que viajar en un camion a las 6 de la mañana a impartir el pan de la enseñanza a niños campesinos de su comunidad , su mayor sueño es tener una casita con mejores condiones como toda persona lo sueña, gozar de salud y que su familia permanezca unida .

Previous Loan Details

Rosa María is a 35 year-old teacher who has worked for nine years at the Salomón Ibarra Mayorga School in the Los Angeles settlement, five kilometers from Nueva Guinea. She has two children. The older is seven years old and the baby was born six months ago. Her husband also works as a teacher ... More from Rosa Maria'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
  • 35
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 23.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Rosa Maria to build her kitchen.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 24, 2012
Mar 26, 2012
Currency Exchange Loss:
Sep 18, 2013