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Julio Cesar
Julio is married and has an eight year old daughter. She goes to school, and she is in the second grade. His wife is in charge of the household chores.

Julio has worked as a dental technician in the San Juan dental clinic for ten years. Also, he has his own business repairing cell phones. He does this to get additional income, which will allow him to make his family more comfortable.

He is requesting his first loan to buy construction materials to build an improved room and to make his home more comfortable. He is a man who likes to progress. He is very responsible, and he is helpful in his community.
View original language description ↓
Don Julio es casado, tiene una hija de 8 añitos de edad la cual estudia su segundo grado de primaria, su esposa se encarga de los quehaceres del hogar. Julio labora como mecanico dental desde hace 10 años en la clinica dental San Juan, ademas tiene su propio negocio de reparaciones de celulares para obtener ingresos adicionales que le permitan darle mayor comodidad a su familia.

Esta solicitando su 1er credito para comprar materiales de construcción para hacer una habitacion con mejores condiciones y tener mejor comodidad en su hogar, se caracteriza por ser un hombre que le gusta el progreso, por ser muy responsable y servicial en la comunidad.

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
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Julio Cesar build a room.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 22, 2010
Aug 2, 2010
Currency Exchange Loss:
Oct 16, 2012