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Our borrower is from Puerto Cabezas and moved to Waspam 28 years ago for work. She is a 46-year old teacher, married, with 5 children: three, in school and two, younger. Her husband is a farmer. She is applying for a loan that she will use to build a cement-construction house. The investment will allow her to pay for the labor and materials--concrete, iron bar, roofing material, nails--she needs for the project. For the future, she wants to finish the house and ensure that her children get good educations.
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Es originaria de Puerto Cabezas, sin embargo por razones laborales desde hace 28 años se trasladó a Waspam, es docente, tiene 46 años de edad, está casada, tiene 5 hijos, de los cuales 3 son adolescentes, que estudian su secundaria y dos menores de edad. Su esposo es agricultor. Con el objetivo de construir una casa de concreto, solicita financiamiento para comprar materiales: cemento, hierro, zinc, clavos y cubrir costos de mano de obra. Su sueño es construir poco a poco su vivienda de concreto y apoyar en la educación de sus hijos.

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
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 25.7
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $325 helped Virigilia to build a cement-construction house.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 30, 2014
Jun 9, 2014
Currency Exchange Loss:
Jul 9, 2014