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Anselma is a kind and smiling woman, a native of Puerto Cabezas. She is the single mom of a teenage boy who is in elementary school. With the goal of having her own little stilt wooden house, she is requesting a loan to buy construction materials: wood, zinc, nails, and to pay for labor costs. Her dream is to finish her house and give her family a dwelling with the right conditions, and to support her son's professional development.
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Anselma: Es una señora amable y sonriente, originaria de Puerto Cabezas, madre soltera de un adolescente que cursa su primaria. Con el objetivo de tener su propia casita de tambo de madera. Solicita financiamiento para comprar materiales de construcción: madera, zinc, clavos y cubrir costos de mano de obra. Su sueño es terminar la construcción de su vivienda y brindarle a su familia una vivienda con las condiciones adecuadas y apoyar al desarrollo profesional de su hijo.

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
  • $26,388,300
    Funds lent in using Kiva
  • 25.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Anselma to buy construction materials: wood, zinc, nails, and to pay for labor costs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 17, 2014
Jun 24, 2014
Currency Exchange Loss:
Apr 23, 2015