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Ervin Jose
Ervin Jose, 41, is married to Antonia Flores, and they have three children: Ervin, 19, who works and helps with household costs; Elmer, 17, who is in his second year of high school; and little Rachel, 10, who is in 5th grade.
Ervin as worked for the town of Juigalpa for 17 years as a driver. He is requesting his first loan with the goal of improving his house, by making concrete divisions in the rooms; they do not currently have any, and he and his family need privacy as the children are growing and need their own space.
His greatest dream is for his sons to grow and be good men who can serve their country.
View original language description ↓
Ervin Jose de 41 años es casado con la Sra. Antonia Flores con quien tiene 3 hijos: Ervin de 19 años que trabaja y les apoya con los gastos de la casa, Elmer de 17 años estudiando el 2do año de secundaria y Rachel de 10 añitos en 5to grado de primaria.

Don Ervin trabaja para la Alcaldia de Juigalpa desde hace 17 años como conductor, esta solicitando su 1er credito con el objetivo de mejorar su casa, haciendo la division de concreto de los cuartos de su casa, pues actualmente no cuentan con ella, el pretende que tanto el como sus hijos cuenten con privacidad ya que estan creciendo y necesitan su propio espacio.

El mayor sueño que tiene es que sus hijos se preparen y en el futuro sean hombres de bien y que puen servirle a nuestro pais.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Ervin Jose to build walls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 15, 2010
Jun 2, 2010
Currency Exchange Loss:
Jun 15, 2011