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Dora Luz

Update on Dora Luz

Dora Luz is a young thirty-one year old mother. She lives in Laureles Norte, a neighbourhood that is a bit dangerous.

She is a hard-working woman who is attempting to make some progress, together with her family. This is why she spends all day walking the streets to sell coffee, bread and pastries. She does this so her children can study and make do by themselves. Her husband is a bricklayer and he helps her to cover household expenses.

The loan that she is requesting is to begin constructing an exterior wall for their home that will provide her children with greater security and stability.
View original language description ↓
Dora Luz, una joven madre de 31 años de edad, habita en el barrio Laureles norte una zona un poco peligrosa, ella ha sido una mujer trabajadora que busca como salir adelante junto a su familia, por eso vende todo el día café, pan y pastel de manera ambulante por las calles para que sus hijos puedan estudiar y valerse por sí solos, su esposo es albañil y le ayuda a pagar los gastos del hogar. El crédito que solicita es para iniciar la construcción del muro frontal de su vivienda, que le permitirá mayor seguridad y estabilidad a sus hijos.

Previous Loan Details

Doña Dora continues her street sales and her sales from her home. Starting early in the morning she sells her rich, hot coffee, coffee with milk, bread with butter and she makes small breakfasts such as beans and rice with cheese and enchiladas which support her family with better sales. Her husb... More from Dora Luz'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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Dora Luz to buy blocks, cement, iron and sand.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 23, 2013
Jun 17, 2013
Currency Exchange Loss:
Jul 17, 2014