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Judith Simona
Judith is 57 years old, single, and these days lives alone in her home. She works as a teaching facilitator for Aldeas SOS [an orphan and abandoned children’s charity].

She is requesting the loan to construct a drain and install a toilet in the back patio of her house. This will help to improve her quality of life since she is now a woman who lives alone, and is thinking of improving her home to have better facilities for when she is older.

She has been a client of Afodenic who has been excellent in her payments. She has taken advantage of these loans to improve her house, so she will continue to fight until she sees her house finished, which is her greatest dream.
View original language description ↓
La Sra. Judith de 57 años de edad, es soltera, actualmente vive sola en su casa de habitacion. Trabaja como facilitadora Pedagogica para Aldeas SOS. Solicita el credito para la cosntruccion de un sumidero e instalacion de inodoro en el patio trasero de su casa, esto le servira para mejorar su calidad de vida ya que es una señora que vive sola y esta pensando en mejorar su casa para tener mayores facilidades para cuando este de mayor edad. Ella ha sido clienta de afodenic quien ha pagado excelente y ha aprovechado estos creditos para mejorar su vivienda, por lo que continua en la lucha hasta ver terminada la casa que es su mayor sueño.

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
  • 30
    View loans »
    Nicaragua Loans Fundraising
  • $26,396,925
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Judith Simona to construct a drain and install a toilet.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Sep 1, 2012
Currency Exchange Loss:
Aug 18, 2013