Update on Francisco JavierDon Francisco Javier has worked as the permanent mason at the Lácteos el Zapote dairy for seven years. His wife takes care of the household and cares for their three children. His family is very close and cares for each other. He is also well liked by his coworkers and neighbors because he is a man who lives well. He has struggled in life to get ahead.
He is requesting this loan to make repairs to his home. He wants to plaster the walls of the rooms to strengthen them. One of his main dreams in life is to improve living conditions for himself and his family, and also to enjoy good health and job stability to continue helping his family.
Este crèdito lo requiere para realizar reparaciones en su vivienda, repellando las paredes de los cuartos para fortalecerlas, ya que es uno de sus principales sueños en la vida mejorar sus condiciones de vida y de su familia, como tambien gozar de salud y estabilidad laboral para seguir ayudando a su familia .
Previous Loan DetailsDon Francisco is 38 years and has three children. Two of them are in high school and the oldest is studying at the University of León and was recognized as an outstanding student. Sr. Francisco is an excellent, polite, and hardworking individual who has a tremendous desire to succeed through hi... More from Francisco Javier's previous loan »
About AFODENICThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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.
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