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Yelba Marbellys
Yela Marbellys is a single mother and has three children under the age of 18. She has worked as a teacher at Ceta INATEC Nueva Guinea for 5 years. She is requesting her 7th loan from Kiva partner AFODENIC so she can improve her home by repairing the floor and repairing the roof a bit, which is in bad condition. She will buy construction materials with this loan. She is a woman with a great spirit to overcome, as she has been a professional since she was very young, and has developed herself in the labor market. She is a very responsible and honest person. Yelba has improved her home little by little with the loans that she has received through AFODENIC. She dreams of having a stable job, good health, and a dignified home in her community so she can give her nuclear family comfort. She sacrifices to give these things to her children.
View original language description ↓
Yelba Marbellys es madre soltera, tiene 3 niños menores de edad, labora como docente en el Ceta INATEC Nueva Guinea desde hace 5 año, está solicitando su 7mo crédito a AFODENIC para mejorar su vivienda con la reparación de piso y cambiar una poco el techo el cual se encuentra en malas condiciones, con este crédito va comprar los materiales de construción, ella es una mujer con alto espitud de superación, siendo una profesional que desde muy joven se ha desarrollado en el campo laboral, se ha caracterizado por ser muy responsable, honesta; Yelba con los crédito que ha recibido a traves de AFODENIC ha realizado poco a poco las mejora de su vivienda, sueña con tener estabilidad laboral, salud y una vivienda digna en su comunidad para brindarle comodidad a su nucleo familiar que son sus hijos por los que ella se sacrifica.

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 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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Yelba Marbellys repair floor and roof of home.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jan 16, 2009
Feb 1, 2009
Currency Exchange Loss:
Jan 19, 2011