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Santos Rosa
57-year-old Santos is a single mother with seven children who are all married and help her with expenses. In the past, Santos made tortillas for a living but it was very tiring and her sales were not profitable. For this reason, she chose to work as a domestic employee in a private home instead. She now feels happier in her work.

This is the first loan that Santos has requested to carry out building work. She will buy blocks, cement, iron, sand and gravel in order to build rooms. Thanks to the support of this loan, she will be able to start making improvements to her home and this fills her with excitement.
View original language description ↓
La señora Santos, de 57 años de edad es madre soltera de 7 hijos todos casados y le ayudan en sus gastos, antes hacia tortillas, pero era muy desgastante y no le era rentable las ventas y opto por trabajar como empleada domestica en casa particular, donde se siente más tranquila brindando sus servicios. Este es su primer crédito solicitado para construir cuartos, comprara bloques, cemento hierro, arena, piedrines, esto será el comienzo para ir poco a poco haciéndole mejoras a su vivienda lo que la llena de ilusión, gracias al poyo de financiamiento.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Santos Rosa to buy blocks, cement, iron, sand and gravel.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 23, 2013
Mar 2, 2013
Currency Exchange Loss:
Apr 16, 2014