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Carlos Jose
Carlos is a family man with three children, and he works together with his wife in order to grant bare necessities to their family.
Carlos’ job is to provide taxi services, which he does every day driving around the capital. He previously worked in a shop, but then he has been offered a job as taxi driver. His wife works in a store and, thanks to AFODENIC’s support in granting the funds to make the improvements, they both have succeeded in ameliorating their house.
With his previous loan he was able to buy and install his toilet; whit this new loan he will now begin to build a room. Among other things he will buy two hundred stones, iron, seven sacks of cement and sand in order to start the works.
View original language description ↓
Carlos es padre de familia de tres hijos, es un hombre que junto a su esposa trabajan para poder dar lo necesario a su familia.
El trabajo de don Carlos es el servicio de taxi, el cual lo hace día a día recorriendo la capital. Anteriormente se dedicaba al negocio, pero luego le dan el trabajo como cadete. Su esposa labora en un almacén y ambos han logrado mejorar su casa con apoyo de Afodenic quien ha dado financiamientos para hacer las mejoras
Con su crédito anterior logro comprar su inodoro e instalarlo, ahora con este nuevo préstamo comenzara la construcción de un cuarto. En donde comprara: decientas piedras, hierro siete bolsas de cemento, arena entre otros y comenzar 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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Carlos Jose to buy stones, sand, cement and iron to build a room.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 12, 2010
Dec 1, 2010
Currency Exchange Loss:
Sep 15, 2011