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Luz Marina
Luz Marina is 41 years old and the mother of three children. She is an agriculturist by profession. She is currently working for a state enterprise and is responsible for Accounting Archives. Her husband is a welder by trade and helps her with the household expenses. Together they have been able to achieve their goals. Luz is a very active woman and her goal is the construction of her home. She came to Afodenic because the cost of building materials is high, and after paying her obligations and household expenses, she does not have enough of her salary left to complete the work all at once. This is her first loan cycle and she feels very fortunate to belong to the great Kiva family. She will purchase zinc sheets, purlins, wooden doors, screws, solder, and other materials to replace her home’s roof. This is her main concern right now because winter is approaching and she doesn’t want any water leaking through. Making this home improvement will enable her children to be healthy and have better living conditions, which is her primary goal.
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Luz Marina de 41 años de edad, madre de tres hijos tiene como profesion el ser Ingeniera Agronoma. Actualmente labora para una empresa del estado, desempeñandose en el cargo de Archivo Contable. Junto a su esposo el cual tiene como oficio la soldadura y quien le apoya con los gastos del hogar,han podido alcanzar las metas propuestas. Luz es una mujer muy activa y como objetivo esta la construccion de su casa, motivo por el cual acude a Afodenic ya que con las obligaciones y gastos del hogar aparte con los altos costos de los mismos materiales, su salario no le rinde para llevar a cabo de una vez la obra. Hoy con este siendo su primer ciclo de credito y el cual se siente muy afortunada de pertenecer a la gran familia de kiva, comprara: Laminas de zinc, perlines, puertas de madera, golozos, soldaduras entre otros y asi cambiar el techo de su casa que es su principal inquietud en estos momentos ya que se aproxima el invierno y no quiere que se le pase el agua. Manifiesta que atraves de la misma mejora obtendra mejores condiciones de vida y salud para sus pequeños que es su fin primordial.

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 Nicaragua

  • $4,800
    Average annual income
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Luz Marina to replace her home's roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 13, 2012
May 1, 2012
Currency Exchange Loss:
Jul 18, 2013