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Nelvis Tomas
Nelvis Tomas is applying for his third loan from AFODENIC so that he can make home improvements such as repairing cracks in the walls of his house. He has worked as a teacher at the Francisco Aaron Joce school for 9 years. He's a hard-working man, modest and polite. His wife works as a teacher in the same neighborhood and they share household expenses. Despite being a young couple, they have fought to get their own house. Nelvis Tomas is grateful to AFODENIC because he has managed to get the house in the Naciones neighborhood with the loans he's received. He is a young man with the drive to get ahead and he is now in his third year at the university. His dream is to have a stable job, health and a beautiful home for whenever his first child comes.
View original language description ↓
Nelvis Tomás está solicitando su 3er crédito a la institución de AFODENIC para realizar mejora de su habitación, como es el repello de las paredes de la casa, trabaja en la Escuela Francisco Aaron Joce, trabaja como docente desde hace 9 años, es un hombre trabajador, honesto de buenas costumbres, su esposa trabaja como docente en la misma colonia, ambos se apoyan en los gastos del hogar, a pesar que son una pareja jovenes han luchado para tener su propia vivienda, el se siente agradecido con AFODENIC ya que por medio de los creditos obtenidos lograron obtener su propia vivienda ubicada en la colonia Naciones, es un joven que tiene espitud de superación, actualmente estudia su tercer año de la universidad, su sueño es tener estabilidad laboral salud y una vivienda bonita para cuando llegue su primer hijo.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Nelvis Tomas repair walls of house.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jul 17, 2009
Jul 18, 2009
Currency Exchange Loss:
Apr 15, 2011