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Karelia Del Rosario
Karelia is a young woman who is 27 years of age. She is married and the mother of a two-year-old son. Karelia is a professional who currently works as a managing cashier while her husband is also employed as an engineer. They do not own a home but currently live at her mother's house. However, there is a room that needs to be remodeled in order to have better conditions. The roof is very old and needs to be replaced.

Karelia will buy zinc sheets, wooden beams, nails, and fiberboard in order to remodel the dividers in the room. This improvement can be completed in a short amount of time, thanks to this loan from AFODENIC.

View original language description ↓
Karelia, es una joven de 27 años de edad, es casada, madre de un hijo de dos años, de profesión profesional, hoy en día labora como administradora de caja y su esposo es ingeniero el cual también trabaja.
Aun no tienen casa propia, viven en casa de su mama, pero en un cuarto aparte que han venido remodelando para estar en mejores condiciones, el techo está muy viejo, lo que cambiara, comprando láminas de zinc, cuartones, clavos y playbod, remodelando divisiones de cuarto. Mejora que está haciendo en menor tiempo, gracias al financiamiento en Afodenic.

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
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Karelia Del Rosario to buy zinc sheets, wooden beams, nails, and fiberboard for making improvements to a room.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 13, 2012
Jun 19, 2012
Currency Exchange Loss:
Feb 15, 2013