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Ever Jose
Ever is married and is an honest man, and his wife works as a dressmaker, and their children are in school. HIs project is to continue making improvements on the infrastructure of his home to provide his children with greater comfort. For a while he has worked for a private company. This loan will be used to buy construction materials such as: cement, sand, corrugated metal roofing material, beams, etc. to change the roof and plaster the walls of the house.

He is grateful to the institution for the support to help him improve his living standard and his family's safety.
View original language description ↓
Ever esta casado y hombre honesto, su esposa es costurera y sus hijos están estudiando. Su proyecto es seguir mejorando la infraestructura de la vivienda. Para ofreciéndole a sus hijos mayor comodidad. Desde hace tiempo trabajar en una empresa privada El préstamo será utilizado para la compra de materiales de construcción: cemento, arena, láminas de zinc, golosas, perlines entre otros para cambiar el techo y repellar las paredes de la casa.

Agradece a la institución por el apoyo al desarrollo de mejorar su nivel de vida y a la seguridad 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
  • 93
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ever Jose to buy construction materials to put on a new roof.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 16, 2011
Jul 21, 2011
Currency Exchange Loss:
May 15, 2012