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Francisco Javier
Francisco is 37 years old and is married. He and his wife have a son who is a student. As the father of a family, he wants the best for his son. He has worked as the driver of a truck for the last two years, during which he has been able to make improvements to his home. When he started this job he drove a truck for hauling and was paid by commission, but now his wages are fixed. Even though he doesn’t make much, it is enough for food, basic bills, and other expenses. With this loan he wants to able to properly close off his bathroom and latrine, which he has covered with pieces of tin and a curtain. This is uncomfortable, unsafe and not very hygienic, but he can’t afford to put up concrete walls all at once. With the loans given to him by Afodenic he is making the improvements bit by bit. It is a great joy for him to be able to make the improvements which are a daily necessity for his family’s hygiene. He will buy construction supplies such as stone, sand, cement and iron in order to complete the project. Only through this process can people of low income carry out these improvements.
View original language description ↓
Don Francisco tiene la edad de 37 años de edad, casado, su esposa procreo un hijo el cual estudia, como padre de familia desea lo mejor para su hijo, el trabaja como conductor de un camión desde hace dos años, en donde ha logrado poder hacer mejoras a su vivienda, cuando el inicio trabaja de conductor en una camioneta de acarreo el cual ganaba por comisión, pero ahora su dinero es fijo aunque no gana mucho le ajusta para la alimentación, pagos básicos y otros gastos. Con este préstamo quiere poder cerrar bien su baño y letrina ya que la tiene forrada con pedazos de lata y tapa con cortina lo cual se le hace incomodo e inseguro y no tan higiénico pero a el no le ajusta para hacer estas paredes de concreto de una sola vez, el cual va poco a poco mejorando con los financiamiento que Afodenic ha financiado el cual para el es un gran gozo poder hacer esta mejora que es de necesidad daría para el aseo personal de mi familia. Comprara los materiales de construcción como: piedra, arena, cemento y hierro para poder hacer la obra. Solo mediante este procedimiento las personas de poco recurso logramos hacer esta mejora.

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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Francisco Javier to purchase stone, sand, cement and iron in order to build a concrete bathroom and toilet for the improved hygiene and safety of his family.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 25, 2010
Jan 27, 2010
Currency Exchange Loss:
Nov 15, 2010