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Bianca Maria
Bianca is 26 years old, she is single, she has no children and she lives with her parents. She started a small activity 6 years ago, selling cosmetics, perfumes and clothes by request. She has started with two thousand córdobas, money she had in her own savings from her previous job in a distribution center in the market; when she left that job she started selling on her own and with her parents’ help.

Nowadays she has succeeded in having a better stocked-up inventory thanks to an increase in her sales and by gaining new customers and she is enjoying better living conditions as she has her own income and she can now support her parents.

Hers is a simple house and for this reason she is requesting a loan to Afodenic in order to put up a concrete wall, building it little by little. She will buy stone, sand, cement and iron to start the works and to succeed in enjoying better living conditions in her house, as living under a safer roof will make her happy.
View original language description ↓
Bianca es joven de 26 años de edad, soltera, vive junto a sus padre, no tiene hijos, desde hace seis años inicio un pequeño negocio de venta de cosméticos, perfume y ropa por encargo, iniciando con dos mil córdobas y dinero propio de ahorro, ya que anterior mente trabajaba en una distribuidora en ventas en el mercado, al salir, comienza a vender por si sola y con ayuda de sus padres.
Hoy en día ah aumentado sus inventarios con las ganancias de sus ventas, captando clientes, estando en mejores condiciones al tener sus propias entradas apoyando a sus padres.
Su casa es sencilla y por tal razón está optando al financiamiento en Afodenic, para poder levantar una pared de concreto, e ir por parte, materiales a comprar: piedra, arena, cemento, hierro para comenzar la obra y poder gozar de mejores condiciones de vivienda y un techo más seguro el cual esta contenta.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Bianca Maria to buy stone, sand, cement and iron.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 11, 2012
Aug 6, 2012
Currency Exchange Loss:
Aug 18, 2013