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Juan Ramon
Juan, 38, is married and lives in downtown El Rama. He is known to be honest, hardworking, and most of all, to have a strong desire to succeed. His wife is a housewife, and he has worked as a day laborer for INTA (Nicaraguan Institute of Agricultural Technology) for 10 years. This is where he earns the income to support his family. He is requesting this loan to buy corrugated metal roofing material so that he can replace the roof on his house, which is currently in bad condition.

Juan's main desire is to see his home in excellent condition and to improve his quality of life.
View original language description ↓
El Sr. Juan de 38 años de edad, casado habita en el casco urbano de El Rama, se caracteriza por ser una persona honrada, trabajadora y sobre todo con ganas de superar. Su esposa es ama de casa; El Trabaja como Jornalero desde hace 10 años para la Institución del Inta, de donde obtiene su ingreso para el mantenimiento de su familia. solicita este credito para la compra de zinc, y asi poder cambiarle el techo a su Vivienda, que actualmente lo tiene en mal estado.
Su deseo principal, es ver su vivienda en excelentes condiciones y mejorar su calidad de vida.

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
  • 67
    View loans »
    Nicaragua Loans Fundraising
  • $25,102,875
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Juan Ramon to buy sheets of corrugated metal material.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 30, 2012
Sep 2, 2012
Currency Exchange Loss:
Aug 18, 2013