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Noemi is originally from Waspam. She is 31 years old, married, and has 2 children. Her oldest child is 7 and is studying in the first grade. Her other son is less than 2 years old. She has 10 years experience being a teacher. Her husband is a farmer. She currently lives in her parents' home. In order to have her own home and live safely, she is requesting funding to purchase materials to build her own wooden house: concrete poles, cement, metals, nails, and cover labor costs. Her dream is to one day have a concrete house.
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Es originaria de Waspam, tiene 31 años de edad, está casada, tiene 2 hijos, el mayor de 7 años, estudia primer grado de educación primaria y el menor de 2 años de edad. Cuenta con una experiencia de 10 años de ser docente. Su esposo es agricultor. Actualmente habita en casa de sus padres. Con el propósito de tener su propia vivienda y vivir de manera segura solicita financiamiento para comprar materiales, para construir su vivienda de madera: postes de concreto, cemento, zinc, clavos y cubrir costos de mano de obra. Su sueño es tener una casa de concreto.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 25.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Noemi to construct a wooden house.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 11, 2014
Currency Exchange Loss:
Mar 17, 2015