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Update on Zenayda

Zenayda, along with her husband, have provided a primary education to their older children. One of their children is not yet school-age. Zenayda works as a manager of the Municipal Cemetery in her town. She is very grateful to Kiva for the opportunity to get this loan, which she invested into improving her home. She now needs a loan to start building an annex that will be used as bedrooms.
View original language description ↓
Zenayda junto a su esposo de acuerdo a su capacidad le han brindado sus estudios básicos a sus hijos mayores, aun tiene uno en edad escolar. Doña Zenayda se desempeña como encargada del Cementerio Municipal de su municipio, se siente muy agradecida con Kiva por la oportunidad del crédito que ha sabido invertir en mejorar su vivienda, ahora necesita el financiamiento para empezar a realizar anexo que destinara para dormitorios.

Previous Loan Details

Zenayda, 48, is married and has three children. Two of them are grown, and the youngest is in elementary school. The older ones help her with the household expenses. Zenayda has been working for the city government of Juigalpa for the last 24 years as a caretaker for the municipal cemetery. S... More from Zenayda'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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Zenayda to buy quarry stones, cement, and iron, and to pay a worker.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 10, 2014
Feb 1, 2014
Currency Exchange Loss:
Feb 17, 2015