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Wiliam Fernando
Sr. William is a hardworking gentleman and the father of two children who are in school. He has worked as a driver for several years and does not earn very much on his fixed salary, so he makes whatever adjustments are necessary in order to meet his daily needs.

With the support of AFODENIC, he has been able to make improvements to his home through seven loan cycles. William has been able to put up concrete walls, install room dividers, and lay down a floor in his living room. Now he wants to build a small wall in front of his home to replace the sheets of tin that line his property. He wants to make this improvement in order to provide safer and cleaner conditions.

The loan will be used to buy the necessary materials such as stone, sand, cement, and iron so that the work can begin.

View original language description ↓
El señor William es un hombre trabajador, padre de dos hijos los cuales estudian.
Su trabajo es de conductor que lleva varios años laborando, no gana tan bien, pero se ajusta a la canasta básica y con un salario fijo, que le permite cubrir las necesidades.
A través del apoyo de Afodenic ha venido haciendo las mejoras a su casa lleva siete ciclos en donde ha mejorado paredes de concretos, divisiones de cuarto, piso en su sala y ahora que desea levantar un pequeño muro en frente ya que tiene con latas y desea hacer la mejora para una seguridad mejor y mejor higiene.
Comprara los materiales a necesitar como: piedra, arena, cemento. Hierro para iniciar la obra.

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
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,553,900
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Wiliam Fernando purchase materials to build a security wall in front of his house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 23, 2010
Sep 1, 2010
Currency Exchange Loss:
Oct 15, 2011