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William Fernando
Mr. William Fernando Martínez Cortes, married with two children, lives in the Memorial Sandino neighborhood. He has served as a driver in a private business for twelve years, and his wife is self-employed and works as a seamstress at home. Some of the projects that will benefit and complete their home are laying bricks in the living room and making divisions for the rooms, providing comfort for his wife and children. Thanks to the loan from Afodenic he has made many changes to their house and he expects to continue making improvements in order to have a decent home for his family.
View original language description ↓
Don William Fernando Martínez Cortes, casado y tiene dos hijos, habita en el barrio Memorial Sandino se desempeña como conductor en una empresa privada desde hace dos años, su esposa trabaja como costurera por cuenta propia en su domicilio. Unos de los proyectos para veneficio de su hogar es la culminación de su vivienda; colocando ladrillos en la sala y realizar unas divisiones en los cuartos, brindándoles comodidad a su esposa e hijos. Gracias a los préstamos en Afodenic ha realizado cambios en su hogar y espera seguir haciendo las mejora para tener una casa digna para su familia.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped William Fernando to buy materials to construct divisions and to lay bricks in his home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 28, 2009
May 15, 2009
Currency Exchange Loss:
Jun 15, 2010