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Ramona has worked for INTA-CDT [Nicaraguan Institute for Agricultural Technology] for many years, and this has allowed her to gradually improve her quality of life. She is requesting a loan now to make an improvement to her house so that she will have better living conditions, as the home is in bad condition and she wants to repair the walls and the roof. She dreams of gradually improving her home to provide her family with a better quality of life.
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La Sra. Ramona trabaja para el INTA-CDT hace muchos años, lo cual le a permitido poco a poco mejor la calidad de su vida, actualmente solicita el financiamiento para hacer una mejor en su casa de habitacion y tener mejores condiciones para vivir, pues la casita esta en mal estado y desea reparar la pared y el techo. Sueña con ir poco a poco mejorando su vivienda para darle a su familia una mejor calidad de vida.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ramona to make repairs to her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Aug 3, 2012
Currency Exchange Loss:
Jun 18, 2013