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Bayardo Heriberto
Bayardo is 48 years old, married, and has 2 children, 1 in preschool and the other in elementary school. He works in the San Antonio Supermarket as a distribution manager of purified water. He has worked there for 18 years, 12 hours a day beginning at 6:00 AM. At 6 PM he is the business manager. His wife is a teacher but not working, she is in charge of their home. He is seeking his first loan to make improvements on their home, as he would like to build a 52 meters squared wall to expand a room. He is a responsible client, pays on time, and makes his house payments on time.
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Bayardo, casado, de 48 años de edad, con 2 hijos, 1 estudia pre-escolar y otro la primaria, trabaja en el Super San Antonio como gerente de distribucion de agua purificada, con 18 años de servicio con un horario de 12 horas diarias de 6:00am. A 6:00 pm., es administrador de empresas, su esposa es profesora, pero no esta ejerciendo la profesion, se encarga de las labores domesticas. Esta solicitando su 1er credito para mejorar su vivienda, pues desea contruir 52 mts cuadrados de pared para ampliar un cuarto, es un cliente responsable, que paga en tiempo y forma las cuotas de su vivienda comprada al credito.

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
  • 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 $1,200 helped Bayardo Heriberto build a room.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
May 28, 2009
Jun 1, 2009
Currency Exchange Loss:
Nov 15, 2010