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Update on Luisa

Doña Luisa, fifty-one, started working as a housekeeper when she was fifteen. Her children are now adults. Some of them are independent and the rest live with her. Her partner works on his own as a carpenter.

She has used the previous loans for improving her house. The latest improvements she made were building a wall in the back of her house and installing toilets and sinks inside the house. She wants to use this new loan to buy glass and aluminum frames for her windows, since she only has wrought-iron grilles. She will buy glass louvers, frosted glass and flat glass. She plans to finish building her house, step by step, for the family’s comfort and safety.
View original language description ↓
Doña Luisa de 51 años de edad, empezó a trabajar desde la edad de 15 años en servicios doméstico, sus hijos ya son mayores de edad algunos viven con ella y otros que se han independizado, su pareja trabaja en carpintería por su propia cuenta, sus créditos los ha utilizado en mejora de infraestructura de su vivienda, su ultimo logro fue construir el muro de la parte trasera e instalo inodoros y lavanderos dentro de su hogar, ahora con este nuevo crédito desea instalar las ventanas de aluminio y vidrio ya que solo tiene verjas, comprara celosías, vidrios escarchados y lisos, de esa manera ir terminando paso a paso con su vivienda para la comodidad y seguridad de su hogar.

Previous Loan Details

Luisa is a single mother as well as a determined, enterprising, and hardworking woman. She has been able to succeed on behalf of her children. Now her children work on their own and help her financially. Her greatest priority is to improve the infrastructure of her home. She has a modest and ... More from Luisa'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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Luisa to buy aluminum frames, and frosted and flat glass.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Nov 1, 2012
Currency Exchange Loss:
May 17, 2013