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Nora Cecilia
Nora Cecilia is requesting refinancing for her seventh loan. She will used it to improve her home by constructing a bathroom. She lives in Zone 1 of the Nueva Guinea neighborhood and is a secretary at the CETA INATEC Education Center in Yolaina. Since the center is located 8 kilometers (5 miles) from Nueva Guinea, Nora has to begin her daily commute to work at 6 am.

Nora has three children: a 25-year-old son who works and helps with household expenses, an 18-year-old daughter who is in her freshman year of college at URACCAN, and an 15-year-old daughter in her fourth year of secondary school. Nora is a single mother who has struggled to help her children get ahead without the support of their father. They are a family of scarce resources, but with great desire for personal and career advancement.

Nora is very responsible and loves her job. She dreams of having stable work, good health, and a more comfortable home to pass on to her children.

View original language description ↓
La señora Nora Cecilia está solicitando refinanciamiento de su 7mo crédito para invertirlo en mejora de su vivienda (construcción de los servicios higienicos), vive en la zona # 1 de Nueva Guinea trabaja como secretaria del centro de Enseñanza CETA INATEC, ubicada en la colonia Yolaina a 8 km de Nueva Guinea, Nora todos los días tiene que viajar a las 6 de la mañana a sus centro de trabajo, tiene 3 hijos, el mayor tiene 25 años de edad, la otra hija tiene 18 años de edad, estudia su 1er año en la univesidad URACCAN y la menor de 15 años, estudia su 4to año de educación secundaria, Nora es madre soltera que ha luchado para sacar a sus hijos adelante sin la ayuda del padre de ellos, su hijo mayor trabaja y le ayuda a su madre con los gastos familiares del hogar ya que son una familia de escasos recursos económicos, pero con alto espiritu de superación personal y laboral, se caracteriza por ser muy responsable, ama su trabajo, sueña con tener estabilidad laboral, salud y una vivienda con mejores condiciones ya que es patrimonio que tiene para sus hijos.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Nora Cecilia to construct a bathroom.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Dec 17, 2008
Dec 12, 2008
Currency Exchange Loss:
Sep 15, 2010