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Jose Dolores

Update on Jose Dolores

José lives with his wife and children. His plan is to continue improving his family's living conditions. He has worked as a bricklayer for 26 years.

With the support fo AFODENIC and Kiva, he has managed to replace the roof of his kitchen and his porch. Now, the living room roof has several holes and in rainy weather, all the water comes in. Likewise, the other areas of his house were in bad condition, but little by little, he has been repairing them.

He needs this loan to buy corrugated metal sheeting and roof beams to remediate the situation. He is grateful for the help offered, since there are many families who benefit from these housing projects for families with few resources.
View original language description ↓
El señor José, habita con su esposa e hijos, sus planes es seguir mejorando las condiciones de vida de su familia, desde hace 26 años se dedica al trabajo de albañil, con el apoyo de AFODENIC y KIVA logro cambiar el techo de la cocina, el del porche y ahora el techo de la sala ya que tiene varios orificios y en tiempos de lluvia se pasa toda el agua de la misma manera estaban las otras áreas de su casa en mal estado pero poco a poco las ha ido reparando, el crédito lo necesita para comprar zinc y perlines para ir remediando su situacion, agradece el apoyo brindado ya que son muchas las familias que se benefician con dichos proyectos de vivienda para familias de escasos recursos.

Previous Loan Details

José Dolores is a builder by trade though he has future plans to set up a small grocery stall in order to make more income. He will run the store with his wife's support. He also plans to improve his home since it is starting to show signs of wear and tear. José Dolores is a hard-working and u... More from Jose Dolores's previous loan »

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.

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.

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
A loan of $650 helped Jose Dolores to buy corrugated metal sheeting and roof beams.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 24, 2012
Oct 1, 2012
Currency Exchange Loss:
Oct 31, 2012