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Yolidia Esther

Update on Yolidia Esther

Yolidia is 30 years old and has worked as an elementary school teacher for 10 years. She has a stable work history. According to her work and personal references, she is a very responsible young woman.

Yolidia is requesting her eighth loan to buy construction materials so that she can improve the infrastructure of her house located in District #6 of New Guinea. Her partner in life works, so both of them earn income for their family and share in the family and household expenses. Her dream is to gradually improve the infrastructure of her home and have her family remain together.

View original language description ↓
La profesora Yolidia de 30 años de edad, se desempeña como docente de primaria desde hace 10 años, posee estabilidad laboral, segun referencias comerciales y personales es una joven muy responsable con muchos deseos de superaciòn profesional y personal. Solicita su 8vo credito para comprar materiales de construcción y asi poder mejorar la infraestructura de su casita ubicada en la zona # 6 de Nueva Guinea, su compañero de vida trabaja ambos reciben ingresos familiares ycomparten con los gastos familiares y del hogar,su sueño es mejorar poco a poco la infraestructura de su vivienda y que su familia permanezca unida.

Previous Loan Details

Yolidia is 27 years old and has worked for 9 years as a primary school teacher in zone # 5 of Nueva Guinea. She is the single mother of an 8-year-old daughter, who is now in the third grade at the same school where Yolidia works. She is requesting refinancing of her 7th loan, with the aim of bu... More from Yolidia Esther'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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.5
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $900 helped Yolidia Esther to buy construction materials for home improvements.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 24, 2012
Jul 2, 2012
Currency Exchange Loss:
Aug 1, 2012
This photo was used before for a previous loan for Yolidia Esther. It was first posted on Kiva on Aug, 2010. Learn More