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Rosa Emilia

Update on Rosa Emilia

Rosita has been working as a school teacher for 23 years with great efficiency and honesty. She loves her profession of imparting knowledge to pre-school children from the urban section of Nueva Guinea.

She is requesting her eighth loan in order to make a few repairs to the kitchen in her home, which is located in District #2 in Nueva Guinea. Her dream is for her children to finish their studies, find decent jobs, and exist with the love of God for their families.
View original language description ↓
La profesora Rosita trabaja como docente de primaria desde hace 23 años, con gran eficiencia y honestidad ya que ama su profesión de impartir el pan de la enseñanza a niños del pre escolar en la zona urbana de Nueva Guinea. Solicita su credito para realizarle unos pequeños arreglos a la cocina de su vivienda ubicada en la zona # 2 de Nueva Guinea , su sueño es que sus hijas culminen sus estudios y encuentren un trabajo digno y que existe el amor de Dios en su familia.

Previous Loan Details

Rosa Emilia, age 36, has three children who are in elementary and high school. She has worked as an elementary school teacher for 21 years. She has a lot of responsibility as a pre-school teacher. She loves her job and is known for being responsible and modest. She is well-liked by her co-workers... More from Rosa Emilia'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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,300 helped Rosa Emilia to repair her kitchen.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 24, 2012
Jul 2, 2012
Currency Exchange Loss:
Aug 1, 2012