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Jose Ricardo
Jose Ricardo A. G. is 37 years old. He is married and he and his wife live in the Sandino community. They have three young children who attend elementary school. They have worked over the following years with the intent to remodel their home and are asking for this loan so that they can build a wall in their living room, as shown in the photograph. This improvement will strengthen the house’s infrastructure, providing better security and comfort. This will be especially the case during this season, where the rain deteriorates and causes problems for the family's health and wellbeing.
View original language description ↓
El señor Jose Ricardo A. G., tiene la edad de 37 años, es casado y con su mujer habitan en la comunidad Sandino, tienen 3 hijos menores de edad, que se dedican al estudio de la escuela primaria, ellos han trabajado a lo largo de estos años con el objetivo de remodelar su hogar, es por esta razón que solicitan un préstamo para la construcción de un muro en la sla de su hogar tal como se observa en la foto, esta inversion fortalecera la infraestructura de su hogar proveyéndoles mayor seguridad, y comodidad sobre todo para esta época de lluvia que deteriora su vivienda y amenaza con la salud y bienestar de su familia.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 21.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Ricardo build a wall.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 28, 2010
Oct 3, 2010
Currency Exchange Loss:
Jun 15, 2011