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Xiomora De Jesus

Update on Xiomora De Jesus

Xiomara de Jesús is a very hardworking woman who has been firm head of household for many years. Despite not having higher education level she’s aware that by means of effort she can obtain whatever she wants.

She currently works as a saleswoman in an auto lubricants store and her husband works as a taxi driver in the capital with flexible schedules. Together they see to their 14-year-old daughter’s education.

She’s asking for the loan to install a tile floor at home and to finish the ceiling. She needs to buy building materials and supplies like metal sheets, roofing purlins, sand, cement, tile and others to do so.
View original language description ↓
Xiomara de Jesús es una mujer muy trabajadora y por muchos años ha sido la cabeza firme de su hogar, a pesar de no tener un nivel educativo superior tiene la visión que a través del esfuerzo se puede llegar a obtener lo que se quiere. En la actualidad Xiomara trabaja como dependiente en una tienda que comercializa lubricantes para vehículo, su esposo trabaja como taxista en horarios inestables en la capital y juntos velan por la educación de su hija de 14 años. Solicita el crédito para instalar el piso de su casa con material de cerámica y terminar de entecharlo, para lo cual necesita comprar materiales de construcción como: zinc, perlines, arena, cemento, cerámica y otros.

Previous Loan Details

Xiomara is 44 years old and lives with her life partner who works as a taxi driver. She has four children, The oldest one is 23 years old and is working, but the others are still in school. For the last three years she has worked at a car wash in order to generate more income, since the ea... More from Xiomora De Jesus'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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 25.1
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,400 helped Xiomora De Jesus to buy building supplies.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Oct 24, 2013
Currency Exchange Loss:
Nov 23, 2013