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Juan Jose
Juan is a humble man and a hardworking businessman. His life partner works for a private business, this being additional income.

His project is to improve his quality of life with the profits obtained from his business. His business is the entertainment service of billiards, and at the same time he offers food, fried snacks, drinks, and other products.

When being without work some time ago made it difficult to survive, the opportunity of starting his business came up. This is a greater source of economic income that, up to now, has allowed him to work on improving the infrastructure of his home.

He will use the requested loan to buy construction materials: cement, cinderblocks, iron, rods, sand, gravel, wire, nails, and wood planks. He will build the south wall of his house and put in the floor for the business, since it's made of dirt, which is detrimental to the health of his customers and his family.
View original language description ↓
Juan hombre humilde, trabajador, comerciante, su compañera de vida trabaja para una empresa privada, siendo un ingreso mas. Su proyecto es mejorar su nivel de vida mediante las utilidades obtenidas del negocio.
Su negocio consiste en brindar el servicio de entretenimiento de billares y a su vez ofrece comida, fritanga, bebida entre otros productos.
Al quedar sin trabajo hace un tiempo atrás siendo una dificulta para sobrevivir, se le presento la oportunidad de iniciar con su negocio, siendo su mayor fuente de ingreso económico que hasta este tiempo le ha permitido ir mejorando la infraestructura de su vivienda. Con el préstamo solicitado lo invertirá en la compra de materiales de construcción: cemento, bloques, hierro, estribu, arena, piedrines, alambré amarre, clavos, tablones de madera. Para levantar la pared del costado sur de su vivienda y colocarle el piso en donde está el negocio ya que es de tierra perjudicando la salud de sus clientes y 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

  • $3,636
    Average annual income
  • 98
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,275
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Juan Jose to buy construction materials.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 11, 2011
Oct 16, 2011
Currency Exchange Loss:
Jul 15, 2012