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Maria Mercedes
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Client María Mercedes is requesting her seventh refinancing to invest money in improving her home. She needs to construct a room. She works two shifts at the Vigarmy Flores School, where she earns her salary as a primary school educator.

She has four children. Her oldest is 28 and is in his third year of university studies. He works as an educator in the San Antonio colony and helps his mother with the family expenses. Her other son is 18 years old and is in his fifth year of secondary education. Her older daughter is 16 and is in her third year of secondary school, and her younger daughter is 12 and is in fifth grade. Her life companion works as a farmer on a country property and also helps with the family expenses.

María Mercedes is a woman who has fought since becoming a mother to provide her four children with everything necessary and has proven herself to be a very responsible mother. She has fought so that her children may become educated, and she dreams of having a house with all of the best features that her family deserves and of her children managing to become professionals.

Translated from Spanish by Sheila Johnson, Kiva volunteer.

La clienta María Mercedes está solicitando su séptimo refinanciamiento para invertirlo en mejora de su vivienda, necesita construir una habitación, trabaja dos turnos en la Escuela Vigarmy Flores en la cual devenga un salario por docenciade educación Primaria.

Tiene 4 hijos, su hijo mayor tiene 28 años actualmente está cursando 3er año de la Universidad, éste labora como docente en colonia San Antonio y le ayuda con los gastos familiares a su madre, su otro hijo tiene 18 años de edad estudia V año de educación secundaria, su hija de 16 años, estudia III año y su hija menor de 12 años estudia quinto grado, su compañero de vida trabaja como agricultor en una finca y tambiém le apoya con los gastos familiares.

Doña María Mercedes es una mujer que ha luchado desde que se convirtió en madre por brindarle todo lo necesario a sus cuatros hijos y ha demostrado ser una madre muy responsable y ha luchado por que sus hijos estudien y sueña con tener una casa con todas las condiciones optimas que amerita la Familia y lograr que a sus hijos lleguen a ser profesionales.

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 Nicaragua

  • $4,800
    Average annual income
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,759,425
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Maria Mercedes to build a room in her home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 11, 2008
Apr 18, 2008
Currency Exchange Loss:
Dec 15, 2009