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Alba Marina
Alba is a young woman who, together with her partner, sells vegetables and basic grains in Managua’s main markets. This is how she provides for food, basic living costs and her two children’s education. Her children are still young and go to elementary school. Her greatest dream is to see each of them with a professional career.

Alba is requesting her first loan from AFODENIC to build a perimeter wall behind her house. To do this, she will need to buy blocks, cement, sand, iron, and wire. She will also need to pay for the labor. Her only objective is to provide better living conditions and safety for her family.
View original language description ↓
La joven Alba junto a su pareja se dedica a la comercialización de hortalizas y granos básicos en los principales mercados de la ciudad de Managua, este es el sustento de cada día para su alimentación, los gastos básicos del hogar y la educación de sus dos hijos quienes aun están pequeños y van a la escuela primaria, su mayor ilusión es verlos con una carrera profesional a cada uno de ellos. Alba solicita su primer crédito con AFODENIC para construir un muro perimetral en la parte trasera de su casa, para eso necesitara comprar bloques, cementos, arena, hierro, alambre y realizara el pago de la mano de obra, todo con un solo objetivo ofrecerle mejores condiciones de vida y seguridad a su familia.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Alba Marina to buy blocks, cement, sand, iron and wire, and to pay labor costs.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 11, 2012
Nov 1, 2012
Currency Exchange Loss:
Mar 15, 2013