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Celia Rosa

Update on Celia Rosa

As a single mother, Celia helped her now adult and independent children to get ahead. Celia supports herself as a dressmaker. She is applying for this loan in order to build an external wall at her house and to improve the porch roof. Thanks to this loan Celia will be able to buy materials, such as cement, sand, iron and laminate zinc sheeting. With these goods, Celia can improve her house bit by bit.
View original language description ↓
Celia, siendo madre soltera saco adelante a sus hijos quienes hoy en día son independientes y mayores de edad, el sustento de ella es su actividad comercial que realiza como costurera, solicita el crédito para realizar parte del muro exterior de su vivienda y mejorar el techo del porche, gracias al financiamiento podrá comprar los materiales como cemento, arena, hierro, laminas de zinc, de esta manera Celia va mejorando por partes su hogar.

Previous Loan Details

Celia is a single mother. She has three children who she has provided with an education, food and a mother's love. They are all now grown up and married, and help her out financially. Celia continues working as a domestic employee and also provides sewing services in order to cover all her m... More from Celia Rosa'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
  • 52
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,200
    Funds lent in using Kiva
  • 25.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Celia Rosa to buy cement, sand, iron and laminate zinc sheeting.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 14, 2014
Apr 15, 2014
Currency Exchange Loss:
Jan 17, 2015