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William Jose
William is married. His daughter goes to school. HIs short term plans are to improve the infrastructure of his home, since he lives in a high crime area. He works for a private company as a technician. With the loan he is asking for, he will buy construction materials: cement, sand, gravel, blocks, bars, zinc sheeting, and soldering, among other things to build a room. He is grateful to the bank for the support it has given in the development of his improving quality of life and comfort for his family.
View original language description ↓
William casado, su hijo estudia, sus planes a corto plazo es ir mejorando la infraestructura de su vivienda ya que habita en una zona de alta delincuencia. Trabaja para una empresa privada desempeñando el cargo de técnico. Con el préstamo que solicita comprara materiales de construcción: cemento, arena, piedrín, bloques, estribu, alambre de amarre, hierro, clavos, lamina de zinc, goloso perlines, soldadura entre otros materiales para construir un cuarto. Agradece a la financiera por el apoyo al desarrollo de la mejora de su nivel de vida obteniendo seguridad y comodidad para 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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,800,300
    Funds lent in using Kiva
  • 22.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped William Jose to buy construction materials.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Nov 28, 2011
Dec 3, 2011
Currency Exchange Loss:
Dec 15, 2012