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Gloria Maria

Update on Gloria Maria

Gloria continues to work in the school as a janitor and for many years she has sold popular fried food outside her house at night. This grand sacrifice she makes to advance her children. Gloria can count on the help of her husband who works with her in the same school as a security guard.

With this new loan she will rebuild a house wall that is presently covered with used zinc sheeting that has rusted. Gloria has taken maximum advantage of past loans to construct her home. On this occasion, she wishes to buy blocks, cement, iron and sand, and pay workers for, little by little, finishing these improvements on her home.
View original language description ↓
Doña gloria siempre trabajando en el colegio como conserje y vendiendo fritanga en las afueras de su casa por la noche desde hace varios años hace este gran sacrificio para sacar adelante a sus hijos, cuenta con el apoyo de su esposo quien también trabaja como guarda de seguridad en la misma escuela que ella, con este nuevo crédito piensa levantar la pared de su casa que lo tiene cubierto de laminas de zinc usadas y ya están oxidadas, gracias a los créditos que los ha aprovechado al máximo en la construcción de su casa esta vez comprara bloques, cemento, hierro, arena y pagara la mano de obra y poco a poco irá terminando la mejora de su vivienda.

Previous Loan Details

Gloria works in a public high school, and she has plans to change the infrastructure of her house. Along with her husband and financing they have been able to make home improvements, previously changing the roof over part of the living room and bedroom. Currently, with this new loan, she will... More from Gloria Maria'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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Gloria Maria to buy blocks, cement, iron, and sand, and to pay laborers for home repairs.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 9, 2013
Currency Exchange Loss:
Feb 17, 2014