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Fransisco Javier
Fransisco Javier C. R. is 39 years old and lives in the Juan Ramon Padilla housing development. He is married and his wife is a merchant who helps him with the household expenses. They have 2 children, ages 15 and 11, who are both in school. He has worked as a security guard for about 15 months.

Among the problems that he has faced is a lack of credit to be able to complete the renovation of his home, which, as you can see in the photo, is in the final stages due to his daily efforts. Now he requests a loan to buy construction materials. The completion of this construction project will help his family economically and will provide better living conditions for his family.
View original language description ↓
El señor Fransisco Javier C. R., tiene la edad de 393 años vive en el Reparto Juan Ramon Padilla es casado y su esposa es comerciante, y le apoya a los gastos del hogar, ellos tienen 2 hijos de las edades de 15 y 11 años de edad los dos estan estudiando y él labora como guarda de seguridad desde hace aproximadamente 15 meses.

Dentro de los problemas a los que se ha enfrentado, esta la falta de financiamiento para poder remodelar su vivienda la cual ya se encuentra bien avanzada tal y como lo muestra la foto, esto ha sido producto de su empeño diario, ahora él solicita un prestamo para la compra de materiales de construcción, y la culminacion del proyecto de reconstruccion, que aporte una ayuda económica y mejores condiciones de vida para la familia.

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
  • 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 $500 helped Fransisco Javier to buy construction materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 27, 2010
Mar 14, 2010
Currency Exchange Loss:
Apr 15, 2011