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Esteban Ramón
Esteban Ramón M. R. is married and lives with his 4 children in the Medardo Andino neighborhood. One of his daughters is an adult and supports herself. Señor M. has worked as a security guard for 16 years.

One of the main projects of his family is to complete the infrastructure of their home. Currently they live in only one room with all of their children. For this reason they request a loan to buy construction materials that would allow them to create dividing walls that would provide independence for the members of the family and good living conditions for the children, because as they are growing they need better living conditions.
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El señor Esteban Ramón M. R., es casado y con sus 4 hijos habita en el Barrio Medardo Andino, una de sus hijas es mayor de edad y sobrevive de manera independiente, el señor M. labora como guarda de seguridad, desde hace 16 años.

Uno de los principales proyectos de la familia, está la culminación de la infraestructura del hogar, debido a que actualmente se convive en un solo cuarto con todos los hijos, es por esta razón que solicita de un préstamo para la compra de materiales de construcción, que le permitan realizar divisiones que aporten a la independencia de los miembros de la familia y al buen convivir de los pequeños, debido a que en su crecimiento, van demandando mejores condiciones de habitad.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Esteban Ramón to buy construction materials.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 23, 2010
May 8, 2010
Currency Exchange Loss:
Feb 15, 2011