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Consepción Maria
Ms. Concepción is requesting this loan in order to invest it in home improvement by builing a restroom. She works as a teacher at Francisco Aaron Joce School. This member is a woman who, after much hard work and determination, has been able to reach her goals. She has a daughter, who is currently in high school. She is a selfless mother who, despite her duties as a teacher, has always been involved in her daughter’s education, inculcating her with both moral and spiritual principals. Concepción is a professional and highly responsible woman with a strong desire for self-improvement. She is a teacher who loves her job because she is able help many farm workers’ children in the Naciones de Nueva Guinea residential area. Her biggest wish is to be able to give her daughter a decent dwelling that can meet all her needs. She currently lives in the Linda Vista neighborhood in the municipality of Nueva Guinea. She helps her husband take care of his elderly parents and the household expenses. Her husband works as a taxi cab driver, and they both help each other with the family expenses.
View original language description ↓
La Sra. Concepción está solicitando su crédito para invertirlo en mejora de su vivienda (construcción de un servicio higienico), trabaja como docente de la Escuela Francisco Aaron Joce, esta clienta es una mujer que con mucho esfuerzo y empeño ha llegado a cumplir sus metas, tiene una hija, quien está actualmente cursando el quinto año de educacion secundaria, es una madre abnegada que apesar de sus labores como docente siempre ha estado muy al pendiente de la educacion de su hija inculcandole buenos principios tantos morales como espirituales. Consepcion es una mujer que posee alto espiritud de superacion personal y profesional,muy responsable, es una docente que ama su trabajo ya que de esta manera ayuda a muchos niños campesinos de la colonia Naciones de Nueva Guinea, su mayor anhelo es poder darle a su hija un hogar digno, que pueda cubrir sus necesidades. Actualmente habita en el barrio linda vista del municipio de Nueva Guinea, ayuda a su esposo a cuidar a sus ancianos padres con los gastos del hogar, su esposo trabaja como taxista,ambos se ayudan con los gastos de la 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 Nicaragua

  • $4,800
    Average annual income
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Consepción Maria construct a restroom in her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 29, 2008
Oct 15, 2008
Currency Exchange Loss:
Nov 15, 2009