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Marbelly Ramona

Update on Marbelly Ramona

Marbellys is 22, and has been working as a primary teacher for three years. Her husband works as a technician for the municipality.

She is a hard-working woman who loves her job as a primary teacher.

She is applying for her loan in order to build a room in her mother's small house. With the previous loan, she managed to repair the kitchen, and now she wishes to fit up their own space for her and her husband.

Her greatest dream in life is to build her own house, to continue studying to be a teacher with a great deal of experience, and that her family always stay together.
View original language description ↓
La joven Marbellys de 22 años de edad, se desempeña como docente de primaria desde hace 3 años, su esposo trabaja en la alcaldia como tecnico, es una mujer trabajadora que le encanta su trabajo como docente de primaria. Solicita su credito, para construir una habitaciòn en la casita de su mamà, pues con el credito anterior logro reparar la cocina y ahora desea acondicionar su propio espacio para ella y su esposo. Su mayor sueño en la vida es construir su casa propia, seguir estudiando para ser una docente con mucha experiencia y que su familia permanezca unida.

Previous Loan Details

Marbelly is a young woman who is 22 years of age. She is requesting her first loan so that she can remodel the kitchen in her home, which is in bad condition. Her mother, who is an excellent client of AFODENIC, supports her in everything. Marbelly’s husband cultivates the land on her father’s ... More from Marbelly Ramona'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
  • 32
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Marbelly Ramona to build a room.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Aug 3, 2012
Currency Exchange Loss:
Jan 18, 2014