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Martina Sabina
Ms. Martina at 48 years of age has been able to overcome many difficulties. She is the single mother of her 15 year old daughter, and is divorced, but the father supports his daughter financially. Martina lives in the North Laureles neighborhood. She has to monitor her daughter so that she comes out ahead academically, as she is currently in high school and requires many things and personal attention. Ms. Martina works in a cafeteria, and is the one who cooks the food that is offered there. She has been working there for 5 years, although it is not easy because she arrives early and leaves late, and has to be available to her daughter. Martina's mother looks after her daughter so that she doesn't have to be home alone. The loan is to repair the roof of the house, as it is in bad shape. To do this, Martina needs purlins and zinc. In the long run, Martina would like to change jobs to have more time to spend with her family.
View original language description ↓
Doña Martina a sus 48 años de edad, ha podido sobresalir de tantas dificultades pues es madre soltera de su hija de 15 años de edad, está separada, pero el padre de su hija la apoya económicamente, habita en el barrio Laureles Norte, tiene que velar por su hija para que pueda salir adelante en sus estudios, actualmente está en secundaria y se requiere de muchos gastos y atención personal. Doña Martina trabaja en un comedor y es la que prepara los alimentos que ahí se ofrecen, tiene cinco años de estar laborando en el comedor, aunque no es fácil por que desde muy temprano llega a su trabajo y sale tarde, y tiene que estar pendiente de su hija, su abuelita cuida de la adolescente para que ella no esté sola en la casa. Con la solicitud de préstamo es para poder hacer reparación en el techo que está en mal estado para eso necesita comprar perlines y zinc. A largo plazo es poder cambiar de trabajo para tener más tiempo para su familia.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 19.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Martina Sabina purchase zinc sheets to roof her house.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 5, 2008
Sep 21, 2008
Currency Exchange Loss:
Aug 15, 2009