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Santos Javier
Santos is a hardworking gentleman and a devoted father to his children. He has his own business making wooden furniture since he is a cabinetmaker by trade.

He has invested in wood for several years, using loans from AFODENIC. This has helped increase his capacity to produce more furniture, but Santos says the greatest benefit has been the ability to continue developing, which allows him to move more of his capital.

Santos has also been able to buy tools for his job. At the moment he has several orders. He needs to buy plenty of wood, sheets of sandpaper, sheets of plywood, gallons of paint, gallons of sealant, and other supplies needed to finish his work.

View original language description ↓
Santos es un hombre trabajador, un padre muy dedicado a sus hijos, tiene su propio negocio la elaboración de muebles de madera, ya que su oficio es de ebanista.
Lleva varios años invirtiendo en madera, con préstamo de la institución, ha venido aumentar la capacidad de madera para hacer mas muebles lo que para él ha sido de gran beneficio por que ha logrado desarrollarse más y mover mas su capital.
También ha logrado comprar sus herramientas de trabajo, hoy en día va hacer varios encargos lo que comprara mucha madera, pliegos de lijas, laminas de fibras, galones de pinturas, galones de cellador, cener entre otros para dar el acabado a sus trabajos.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,825
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Santos Javier purchase wood, sandpaper, plywood, paint, sealant, and other supplies needed to finish his work.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 30, 2010
Nov 8, 2010
Currency Exchange Loss:
Feb 15, 2012