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Norvin Isaac
Norven, a 20 year old young man is unmarried and childless. He has been working to maintain septic treatment plants for a private company for the past year. This is his first job. At his young age, he is very worried about his parents’ well-being.

He is requesting his second loan from Afodenic in order to build a perimeter wall on the east side of his residence in order to provide greater security for his parent’s home. He will purchase materials such as blocks, cement, sand, iron and gravel and thus improve living conditions at his house. He hopes that he continues to receive support and funding so that he can continue helping his parents improve their home.
View original language description ↓
El joven Norvin de la edad de 20 años, soltero sin hijos trabaja en mantenimiento de plantas de tratamientos sépticos desde hace un año para una empresa privada siendo esta su primera experiencia laboral, a su corta edad se preocupa mucho por el bienestar de sus padres. Solicita su segundo crédito con Afodenic para construir un muro perimetral del lado este de su casa para obtener mayor seguridad en su hogar con lo que comprara materiales como bloques, cemento, arena, hierro, piedrín y así ir mejorando las condiciones de vida por lo que espera le sigan brindando apoyo de financiamiento, para seguir apoyando a sus progenitores a mejorar su vivienda.

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

  • $3,636
    Average annual income
  • 127
    View loans »
    Nicaragua Loans Fundraising
  • $24,035,950
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Norvin Isaac to purchase blocks, cement, sand, iron and gravel.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 19, 2012
Nov 1, 2012
Currency Exchange Loss:
Oct 17, 2013