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Carlos Jose
Carlos is 61 years old, married and has two children. He works as a physical education and swimming teacher. He has been teaching physical education and swimming for forty years. Carlos used to work as a construction worker before he gained his teaching post.

Through his savings, Carlos has managed to improve his home together with his wife, who is also a teacher. However, he needs to repair part of his roof, to sort out waste water and rainwater. He does not have a lot of cash and so is taking a loan in order to do the job. His loan from Kiva will make his objective possible.
View original language description ↓
Carlos es un hombre mayor de 61 años de edad, casado, padre de dos hijos, su trabajo es como docente en el área de educación física y natación, el cual ha venido laborando por cuarenta años, educación física y natación.
Anteriormente trabajo de albañil, luego consigue la plaza en el colegio. A través de sus ahorros ha venido mejorando su vivienda junto con su esposa que es maestra también.
Pero necesita reparar parte del techo, aguas negras y pluviales, lo que no cuenta con mucho efectivo, lo que recurre al préstamo para hacer la obra. El por su propia cuenta no tiene los recursos para ahorrar el dinero y echar a andar el proyecto por tal raozn fue que solicito a los Fondos Kiva la posibilidad para realizar su objetivo.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Carlos Jose to buy corrugated metal roofing, pipes, adhesive and other materials to deal with waste water and rainwater.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 31, 2010
Feb 1, 2011
Currency Exchange Loss:
Dec 15, 2011