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Augusto Cesar
Mr. Cesar A. has been working as a security guard for nineteen years, dedicated to providing safety to other people. Cesar lives in a neighborhood of the capital where one needs to have a safe house to prevent robberies. One of his goals is to finish the construction of his house to improve the living conditions inside the home. The low wages from his job have made it very difficult to finish the house, but with the loan we granted him in the first cycle he has begun constructing the back wall. With this loan he will purchase construction materials such as cement, iron bars, and stones, and continue the construction with the left wall of the house. By improving security and protecting his family, Cesar will achieve one of his goals and demonstrate that he is a man capable of improving his quality of life.
View original language description ↓
El señor Cesar A. trabaja como guardia de seguridad desde hace diecinueve años, un trabajo de dedicación para bríndale seguridad a otras personas, vive en un barrio de la capital en el cual se requiere de tener segura su vivienda para que no sufra de ningún robo, unas de su metas en terminar la construcción completa de su casa teniendo mejores condiciones de vida para su hogar. Con los bajos ingresos por su puesto se le ha hecho muy dificultoso construir su casa, mediante el financiamiento que le hemos brindado en el primer ciclo ha ido construyendo el muro de la parte trasera y con este préstamo comprara materiales de construcción como: cementos, hierros, piedras y continuar la construcción de la pared del lado izquierdo de la vivienda. Obteniendo mayor seguridad y protección para su familia, cumpliendo unas de sus metas, demostrando que es un hombre capaz de alcanzar las metas puestas para mejorar su nivel de vida.

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
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 20.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Augusto Cesar purchase of stone, sand, and cement to build a concrete wall for his house, in order to provide more security for his family.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 28, 2009
Dec 3, 2009
Currency Exchange Loss:
Oct 16, 2010