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Santos Matias
Santos works as a guard at the Juigalpa City Hall, a job he has held for the past 10 years. He now seeks his fourth credit, in order to continue improving his housing. He wishes to build another room in his house to better provide for his family, as currently it has only one room and the annex will provide more privacy. His dream is to gradually improve his housing conditions and thus provide his family with a better quality of life.
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Santos trabaja para la Alcaldia Muncipal de Juigalpa desde hace 10 años, desempeñandose como vigilante. Esta solicitando su 4To credito con el objetivo de seguir mejorando las condiciones de su casa, esta vez construyendo un cuarto para mejorar las condiciones de su familia, pues actualmente solo tiene uno y desea tener mayor privacidad. Su mayor sueño es poder poco a poco ir mejorando su casita y mejorar la calidad de vida 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
  • 125
    View loans »
    Nicaragua Loans Fundraising
  • $24,551,600
    Funds lent in using Kiva
  • 22.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Santos Matias to construct a room in his house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 13, 2011
Aug 21, 2011
Currency Exchange Loss:
Dec 15, 2012