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Jose Ramon
Mr. José Ramón is 44 years old, and he lives in the Villa Canadá neighborhood in the capital city of Managua. He is married, and he and his wife have three children who are studying. His wife works as a domestic worker to help their family get ahead, and he works in security services. Their plans for their family are to finish building their house, and for their children to continue studying. That is why they both work, to help their family move forward.

With this loan, he will invest in construction materials to change the roof of their house and build it with beams so it doesn't leak like it did last year. He gives his thanks to the Afodenic organization for their support with loans, which have helped him to achieve his goal of improving his home.

View original language description ↓
Don José Ramón tiene la edad de 44 años, reside en el barrio Villa Canadá en la capital de Managua, casado, su esposa le tiene tres hijos los cuales cursan sus estudios, ella trabaja como domestica para poder salir a delante con su familia. y el trabaja en servicio de seguridad. Sus planes para su familia es terminar de hacer su casa y poder dar estudio a sus hijos es por eso que ambos trabajan para salir adelante con su familia. Con este préstamo invertirá en la compra de materiales de construcción para cambiar el techo de su vivienda y hacerla de perlines para no mojarse como el año anterior. Da las gracias a la institución por el apoyo con los préstamos el cual ha sido de muchos beneficios para lograr los objetivos de mejorar cada día, su vivienda.

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
  • $25,413,450
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Jose Ramon to buy construction materials to change his roof.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Jul 22, 2009
Aug 2, 2009
Currency Exchange Loss:
Mar 15, 2011