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Jose Baciliso
44-year-old Jose has been working for the Mayor's office of Juigalpa for 3 years, serving in the municipal police. He has applied for his fourth loan with the goal of building toilets in his home, to improve his living conditions. It should be noted that his previous loans have been used to improve his home, and gradually he has been building rooms so that his family can live more comfortably.
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Jose de 44 años de edad trabaja para la Alcaldia Muncipal de Juigalpa desde hace 3 años, desempeñandose como policia municipal. Esta solicitando su 4to credito con el objetivo de construir los servicios higienicos de su casa para tener mejores condiciones. Cabe señalar que sus creditos anteriores los ha utilizado para mejorar su casa, pues poco a poco a ido construyendo los cuartos para que su familia cuente con mayor 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
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Jose Baciliso to construct toilets in his home.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Sep 8, 2011
Sep 25, 2011
Currency Exchange Loss:
May 17, 2013