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Ericka Rosa

Update on Ericka Rosa

Erika is a hardworking woman and a single mother of four children, one of them being 17 years old with special needs and therefore looked after in a special school, so sometimes it is difficult to keep up with all the main household expenses by herself. Her income is from the sale of used clothing and also working as a housekeeper in order to manage to balance the expenses. She intends to use this second loan to raise a wall in the front part of her house since she runs the risk of being robbed of the few products that she has for sale on her porch, because the area where she lives is dangerous.
View original language description ↓
Doña Erika, una señora trabajadora, madre soltera con 4 hijos, siendo uno de ellos de 17 años con capacidad diferente, por lo que lo atiende en una escuela especial donde aveces le es difícil mantener todos los gastos principales del hogar ella sola, sus ingresos son las ventas de ropa usada, también se ayuda trabajando como empleada domestica, para logar equilibrar los gastos. Este segundo crédito lo destinara para levantar un muro en la parte frontal de su casa, ya que corre el riesgo de que le roben los pocos productos que tiene en venta desde su porche, porque la zona donde habita es peligrosa.

Previous Loan Details

Ericka Rosa is 38 years old and single mother of four children. She is a used clothing merchant, but she also sells ice, ice cream, and soft drinks from her home. Ericka also works part-time as a housekeeper so that she has a steady source of income. She also has the financial support of her s... More from Ericka Rosa'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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ericka Rosa to buy cement, sand, rebar and cinder blocks to build a front wall.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
Jun 17, 2014