Erick Antonio Masis Ruiz

Erick Masis, 29, works in an urban transportation cooperative in the capital of Managua. He started working there when he was 19. He married at an early age; he and his wife have two children. He lives in the Camilo Ortega neighborhood.

When he started working he was a helper collecting fees. He earned less doing this, but he was able to become a driver. It is hectic work because he leaves his house very early and does about ten routes around the city to be able to earn well in a day.

This is his sixth cycle with Afodenic. He will use the loan to buy construction materials to enlarge a room and be able to be more comfortable with his family. Little by little he has made improvements on his house.

His goal is to one day be able to, through loans, have his own vehicle for transportation. He is grateful to the institution for approving the loan, which he will use to start his project.

Translated from Spanish by Ginny Kalish, Kiva Volunteer

El joven Erick Masis de 29 años de edad, labora en la cooperativa de transporte urbano de la capital de Managua, el cual desde los 19 años comenzó a trabajar ya que se caso a temprana edad, su esposa le tiene dos hijos y reside en el barrio Camilo Ortega, cuando comenzó a trabajar empezó como ayudante cobrando, lo cual ganaba menos pero logro poder ser el conductor, es un trabajo agitado ya que desde horas muy temprana sale de su casa, y da como diez vuelta en toda la capital, para poder ganar bien el día. Este es su sexto ciclo en Afodenic el cual comprara materiales de construcción para hacer más grande un cuarto y poder estar cómodo junto a su familia, pues poco a poco ha logrado hacer las mejoras a su casa. Y su anhelo es poder algún día tener su propia unidad de transporte mediante un financiamiento. Da las gracias a la institución por aprobar el préstamo el cual comenzara con su proyecto.


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Many poor families are financially unable to purchase a house that meets their needs. Housing loans funded on Kiva give families access to capital to improve their homes and an opportunity to pay loans back at a pace that they can handle. The housing and small business loans featured on Kiva share a common purpose: they alleviate conditions of poverty and enable families to lead more stable lives. Learn more

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