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Julio Cesar
Julio Cesar is 25 year old and married. He has worked for the Fundación José Nieborowski for five years as an assistant for Internal Audits. His wife works for Bancentro (the Credit Bank of Central America). She is accompanied by a cousin who lives with them. As Julio's work is performed according to regional standards, you can only find him on Sunday now that he is studying on Saturdays in Managua in order to enrich his curriculum and develop himself as a Public Accountant. He is requesting his first loan which will be used to extend his roof by 24 square meters (260 square feet), and then tile it. His intention in doing this is to make things more comfortable for his family.
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Julio Cesar es casado de 25 años de edad, trabajador de la Fundacion Jose Niebororswki, con 5 años de servicio como auxiliar de Auditoria Interna, su esposa trabaja en BANCENTRO, ella es acompañada por una prima que vive con ellos, como el trabajo de Julio es lo realiza a nivel de la region, solo se encuentra el dia domingo, ya que los sabados el estudia en Managua para enriquecer su curriculum y desarrollarse mejor como Contador Publico. Esta solicitando su 1er credito para utilizarlo en la ampliacion del techo y embaldozado de 24 mts cuadrados, esto lo hara con la intencion de dar comodidad a 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 Nicaragua

  • $4,800
    Average annual income
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $25,413,450
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Julio Cesar to extend and put tile on the roof.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
May 28, 2009
May 28, 2009
Currency Exchange Loss:
May 15, 2011