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Carlos German
Carlos currently lives in Masaya. He is married and has two children. He works as a surgical technician in a private hospital. His wife helps him with the household expenses, as she also works for a hospital in the capital. Together, they have provided for their children and now they are struggling to fulfill their dream, which is to finish their house.

With this new loan, Carlos will buy cement, iron, and sand. Carlos is grateful and hopes to continue counting on the support of Afodenic, who are placing their trust in him through Kiva funds.
View original language description ↓
El señor Carlos habita actualmente en Masaya, casado tiene dos hijos, labora como Tecnico Quirúrjico en un Hospital privado, su esposa lo apoya con los gastos del hogar ya que ella tambien labora para un hospital de la capital, juntos han sacado adelante a sus hijos y actualmente estan luchan por conseguir su sueño que es terminar su casa, con este nuevo credito comprara: Cemento, Hierro, Arena. Agradecido el señor Carlos espera seguir contando con el apoyo de Afodenic quien a travez de Fondos Kivas le estan brindando su confianza.

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
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Carlos German to purchase construction materials: cement, iron, and sand.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 25, 2012
Aug 11, 2012
Currency Exchange Loss:
Jul 18, 2013