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Josefa Darling
Josefa is married and her husband works as a mechanic. They don’t have any dependent children. She has been working as a teacher at a university for several years. They support one another in this way so they can pay the household expenses. Josefa is asking for this loan in order to do maintenance on her humble home, so that it will look nice. She will paint walls and also wants to install a tile floor in a room that she has not completed due to lack of money.
View original language description ↓
La sra. Josefa, es casada su esposo trabaja en mecánica, no tienen hijos que dependan de ellos. Ella trabaja como docente de una universidad desde hace varios años, asi ellos se apoyan para cubrir los principales gastos del hogar. Josefa solicita este crédito para realizar obras de mantenimiento a su humilde hogar, para que se mire bonita, pintara paredes además de eso desea poner cerámica en el piso de un cuarto que todavía no termina de acondicionarlo por falta de efectivo.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Josefa Darling to make home improvements.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 23, 2013
Currency Exchange Loss:
Jun 17, 2014