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Bairon Angel
Bairon works a security guard. He is married and has three children. His goal is to build his home. Little by little he has purchased construction supplies with his savings. It has been difficult for him to get the project started because he didn't have enough supplies or money for labor.

He was pleased to get a loan from Afodenic, with manageable payments, which enabled him to make great progress on his home, to build a wall and part of the porch. He will continue building with this loan to put up walls and a roof, making progress each day towards a proper and safe home. He will purchase supplies such as blocks, bags of cement, sand, and iron to start the work.
View original language description ↓
Bairon de oficio seguridad interna, casado, padre de familia de tres hijos, como objetivo ha sido la construccion de su casa, en donde poco a poco ha venido comprando materiales de construccion, con sus ahorros. Para el ha sido dificil, ya que se le habia complicado comenzar la obra por que le hacia falta materiales y para mano de obra.
Su gozo fue al tener un financiamiento en Afodenic, a plazos accesibles en donde logro un gran abance con su casa, al levantar el muro y parte del porche que continuara con este nuevo prestamo para seguir levantando paredes y techo, y cada dia, avanzar mas.logrando una vivienda digna y segura. En donde comprara materiales como: bloques, bolsa de cemento, arena, hierro y comenzar la construccion.

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
  • 89
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Bairon Angel to purchase construction supplies to continue buliding the porch and walls, those providing a better, safer home for his family.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 22, 2011
Aug 1, 2011
Currency Exchange Loss:
Jun 15, 2012