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Jose Javier
José Javier, 28, is a young man living in El Coral. He’s married and has a minor daughter. His wife works for the Ministry of Health and they both are responsible for household expenses. They consider themselves to be a progressive, united family that very much wants to get ahead and have better living conditions. José Javier has worked in construction for 6 years, an activity that’s his main source of income for his family’s wellbeing and for basic needs.

He needs this loan to buy building materials and supplies because he will onto his house in order to improve his family’s comfort. His references consider him to be a hardworking, responsible person of good habits.

His greatest wish is that his little girl grows up in a pleasant environment, that he has conditions at home that will prepare her to have a better future.
View original language description ↓
El joven Jose Javier de 28 años de edad, habita en El Coral, es casado, tienen una niña menor de edad; su esposa trabaja para el ministerio de salud ambos asumen los gastos del hogarse, se consideran una familia progresiva y unida con deseos de superacion en Pro de mejores condicones de vida. Jose Javier se dedica a la construccion desde hace 6 años, actividad que le ha servido como su principal fuente de ingreso para el bienestar de su familia y sus necesidades basicas.
Nesecita este financiamiento para invertirlo en compra de materiales de construccion ya que realizara un anexo a su casa de habitacion lo que le permitira mejores comodidades en su unidad familiar, referencias lo consideran como una persona trabajadora, responsable y de buenas culturas.
Su Mayor deseo es que su niña crezca en un ambiente agradable, que tenga condiciones en su hogar y se prepare para que tenga un buen futuro.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Jose Javier to do home improvements.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 30, 2012
Sep 3, 2012
Currency Exchange Loss:
Aug 18, 2013