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Norwing Jose
Young Norwing Jose is 23 years of age. He has worked as an elementary school teacher in the region of Casa de Tabla for eight years. Every day he must travel by horseback so that he can get to his teaching job. Norwing is a teacher with excellent recommendations and is respected by co-workers, students, and parents. He is known for being a responsible and honest young man.

Norwing is requesting his third loan with the support of Kiva so that he can improve the infrastructure of his kitchen and provide greater comfort for his family. He is very grateful for this support. His first loan was used to plaster the walls of his house, so he intends to continue making improvements.

His greatest wish in life is for his precious family to have all the basic necessities. He also wants to continue studying.

View original language description ↓
El joven Norwing Jose de 23 años de edad, Labora como docente de primaria en la comarca Casa de Tabla desde hace 8 años , todos los dias de la semana tiene que viajar a caballo para ir impartir el pan de la enseñanza, es un docente con excelente recomendaciones y bien querido por sus compañeros de trabajo, alumnos y padres de familia por ser un joven bien responsable y honesto.

Solicita su tercer credito con el apoyo de Kiva para mejorar la infraestructura de su cocina y asi brindar mayor comodidad a su familia, ademas esta muy agradecido con este apoyo, ya que con el primer credito logró repellar las paredes de su casa; por lo que pretende continuar estas mejoras.

Su mayor sueño en la vida es que su preciosa familia no le falte lo basico en el hogar y seguir estudiando.

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
  • 82
    View loans »
    Nicaragua Loans Fundraising
  • $25,445,225
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Norwing Jose remodel his kitchen.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jan 29, 2011
Mar 1, 2011
Currency Exchange Loss:
May 15, 2012