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José lives in Nueva Guinea, RAAS; he is married with Maria and has two young children attending primary school. José has been working for ENCAL for a few years as water services reader in this town.

With the loan obtained by AFODENIC he has succeeded in keeping his house and improving it little by little; however, he needs to continue investing in it, and this is why he is asking for his 5th loan, to be able to keep on making improvements by building a kitchen and a porch for his house.

His biggest dream is to have a nice house offering the basic living conditions, so that his children can grow up in a pleasant environment and with the omfort they deserve.
View original language description ↓
José Nieve es habitante de la ciudad de Nueva Guinea RAAS, es casado con la Sra. Maria Sanchez con quien tiene 2 hijos menores de edad estudiando la primaria. Don Jose trabaja en la empresa de ENACAL desde hace varios años como lector de servicio de agua en este municipio.

Con los creditos obtenidos en AFODENIC ha logrado tener su vivienda y mejorarla poco a poco, sin embargo le hace falta seguir invirtiendo en ella, por eso esta solicitando su 5to crédito con el objetivo de seguir realizando mejoras a vivienda construyendo la cocina y el porche de su casa.

El mayor sueño que tiene es poder ver su casita muy bonita y con las condiciones basicas para que sus hijos crezcan en un ambiente agradable y con las comodidades que se merecen.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 21.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Jose to make improvements to his house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Apr 22, 2010
May 31, 2010
Currency Exchange Loss:
Mar 15, 2011