Don Marcial is married, and he's been working for 15 years as a teacher in primary Education at the Arlenis Davila Davila School, in the urban district. He has three male children, the oldest is ten years old, and the other is four years old, and a baby of five months. His wife works as a secondary school teacher. Both share family expenses for the household. With their current loans, Marcial is requesting a refinance of his fifth loan for building a bedroom on his house. He's hoping to provide the maximum comfort for his family. He is described as being a reputable professor, of good moral conduct, who is responsible, honest and hardworking with dreams of improving his life. This year, the client received a master's degree in political education. His dream is to continue studying, improving his life and the health of his family and their economic stability with each loan originated by AFODENIC.
Don Marcial es casado, , labora desde hace 15 años como docente de Educación primaria en la Escuela Arlenis Davila Davila en la zona urbana, tiene 3 niños varones el mayor de 10 añitos de edad y el otro niño de 4 cuatro añito y un bebe de cinco meses de nacido, su esposa trabaja como docente de secundaria en una escuela de secundaria, ambos comparten con los gastos familares del hogar y con los compromisos adquiridos, Marcial esta solicitando refinanciamiento de su 5to crédito para construcciòn de una habitacion en su casa, pues desea brindarle mayor comodidad a su familia, se caracteriza por ser profesor de buena conducta moral, responsable , honesto, muy trabajador y con muchos deseos de superaciòn este cliente a inicio de este año se recibio de master en politicas educacativas, su sueño es seguir estudiando, ir mejorando su vivienda con cada crédito otorgado por AFODENIC, salud para su familia y estabilidad laboral.
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.