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Roberto Jose
Roberto is married and his spouse is a house wife, caring for their children who are in secondary school. The wife, like the father, is preoccupied about the family's wellbeing. They are both concerned about the infrastructure of their house.

Roberto has worked for some time in an enterprise in the local tax-fee zone. He is facing difficulties due to price rises for building materials such as cement, sand, gravel, sheets of zinc, rafters, cement blocks, quarry stones, and other items he needs, to replace the roof and construct a room.

Roberto is grateful to the financial institution for help in advancing his level of living by providing security, protection, and comfort.
View original language description ↓
Roberto casado, su esposa ama de casa, sus hijos estudian en la secundaria, como padre se preocupa por el bienestar de su familia, siendo de necesidad mejorar la infraestructura de la vivienda. Trabaja en una empresa de zona franca desde hace tiempo. Se le ha presentado dificulta en cuanto al alza de los precios de materiales siéndole un poco más difícil para completar las mejoras. Con el préstamo comprar materiales de construcción como: cemento, arena, piedrín, lamias de zinc, golosa, perlines, bloques, piedras canteras, hierro entre otros. Para cambiar el techo y construir un cuarto. Agradece a la financiera por el apoyo al desarrollo de su nivel de vida, ya que obtiene seguridad, protección y comodidad.

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
  • $25,102,875
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,125 helped Roberto Jose buy construction materials to build a room onto his house.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jun 22, 2011
Aug 1, 2011
Currency Exchange Loss:
Aug 16, 2012