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Elisa Clementina
Elisa is a hard-working woman that has always struggled to give the basics to her children, who are already older and have their own homes. She has worked as a janitor for 4 years. With her income she is trying to pay for the major household expenses.
She is requesting a second loan to guarantee the purchase of construction materials which becomes more expensive with time. With this, she will be able to little by little improve the infrastructure of her housing located in Coral, a zone 80 minutes from Juigalpa Chontales where the majority of the population are humble farmers.
View original language description ↓
Doña Elisa, es una señora trabajadora que siempre ha luchado para darles lo básico a sus hijos, los cuales ya son mayores de edad y formaron su propio hogar, trabaja como conserje desde hace 4 años, con sus ingresos intenta salir adelante pagando sus gastos principales del hogar. Solicita un 2do crèdito para garantizar la compra de materiales de construcción los cuales cada vez van aumentado su precio mediante pasa el tiempo, con esto podrá ir poco a poco mejorando la infraestructura de su vivienda ubicada en el Coral, una zona a 80 minutos de Juigalpa Chontales, donde la mayor parte de sus pobladores son humildes campesinos.

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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elisa Clementina to purchase materials like cement, sand, iron, blocks, and rocks.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
May 24, 2013
Jul 1, 2013
Currency Exchange Loss:
Sep 17, 2014