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Kathya De La Cruz

Update on Kathya De La Cruz

Kathya is a responsible single woman; she does not have any children yet. She works in the health sector as an accountant and uses her income to help her mother with household expenses. She wants to use this loan to buy metal sheeting and other building supplies and to pay labor costs to build a room in her mother’s house where she lives so that she can have some privacy. Kathya’s greatest dream is to own her own house and hopes with financial support to do so little by little.
View original language description ↓
Kathya, es una persona responsable soltera, aun no tiene hijos, trabaja en el sector salud como contadora con sus ingresos apoya a su madre con los gastos del hogar. Ella desea con este crédito comprar láminas de zinc, pagar mano de obra y otros materiales de construcción para terminar de construir un cuarto para contar con privacidad el cual está realizando en casa de su mamá donde habita. El mayor sueño de Kathya es poder tener su casa propia, quien espera algún día hacerlo realidad poco a poco con apoyo de financiamiento.

Previous Loan Details

Kathya, aged 31 is single. She has been working for the Juigalpa Ministry of Health’s Comprehensive Local Health System (SILAIS) for the last nine years. She is requesting her fifth loan with the objective of building a bedroom, as she currently is sharing a room with her mom because several ... More from Kathya De La Cruz'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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Kathya De La Cruz to buy building supplies and to pay labor costs.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
May 31, 2013
Jul 1, 2013
Currency Exchange Loss:
Jun 17, 2014