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Giovanny Lizbeth
Giovanny is 40 years old and lives in a marginal neighborhood called Laureles Norte. She is the single mother of five children, one of whom is one month old, and the rest are in school. In order to support her children, she works as a domestic employee, which is very difficult because her income is very small for her large family.

She is requesting this loan to change the roof on a part of the living room of her house. This improvement will guarantee the health and hygiene of her family since this sheeting is currently in bad condition and when it rains, water comes in.
View original language description ↓
Doña Giovanny, tiene 40 años de edad habita en un barrio marginal llamado Laureles Norte, es madre soltera de 5 hijos uno de ellos de 1 mes de nacido y los de más estudian. Ella para mantener a sus hijos se dedica a trabajar como empleada doméstica lo cual es muy difícil porque sus ingresos son muy pocos para su numerosa familia. Solicita el crédito para cambiar el techo en la parte de la sala de su casa, con esta mejora garantizara la salud e higiene de su familia ya que estas laminas se encuentran en mal estado y cuando llueve se filtra el agua.

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
  • 45
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $525 helped Giovanny Lizbeth to purchase zinc sheeting, beams, and pay for labor.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 6, 2013
Currency Exchange Loss:
Aug 5, 2013