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Maria Azucena
Maria Azucena is a woman with future goals and her greatest desire is to finish building her home. Approximately four years ago, Azucena started selling Omnilife and dairy products. She and her husband together have been able to achieve the goals they set for themselves. Thanks to micro-financing, she can once again apply for a loan, this time to construct a perimeter wall on the eastern side of her house. The wall will provide security as well as privacy for her family.

On this occasion, in order to carry out this project, Azucdena will need to buy stone, iron, braces, blocks, wire, gravel, cement and sand among other items. This new opportunity to obtain credit is a further accomplishment for her since she will be able to provide her family with better living conditions. Her long term goals are to continue making improvements to her home and to install hygienic services which are of vital importance for the health of those living with her.
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Maria Azucena, es una mujer con metas a futuro, puesto que su mayor anhelo es llegar a concluir la construccion de su vivienda. Azucena ya hace 4 años aproximadamente que se dedica a la venta de productos omnilife, lacteos. Junto con su esposo han podido lograr objetivos que se han forjado. Agradece a la micro-financiera que una vez mas le ha concedido ser sujeta de un credito, mismo que le permitira la construccion del muro perimetral lado este de su vivienda. Con el que obtendra seguridad y a su vez privacidad para los suyos. Para llevar a cabo el proyecto planeado en esta ocasión requerira comprar: piedras, hierro, estribos, bloques, alambre de amarre, piedrin, cemento, arena entre otros. Siendo para ella esta nueva oportunidad de credito un logro mas y asi ofrecer a su familia mejores condiciones. Sus propositos a largo plazo es seguir haciendole mejoras a su hogar e instalar servicios higienicos que es de vital importancia para la salud de los que le rodean.

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
  • 74
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Maria Azucena to construct a perimeter wall around her house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 13, 2012
Apr 30, 2012
Currency Exchange Loss:
Mar 15, 2013