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Oscar Antonio
Oscar is a young 27-year-old man, and lives in the district of Ticuantepe with his mother. He is single. His biggest dream is to be able to build a little house, at some time in the future, in order to be independent. He works for a private company, and with his income he helps his mother with the household expenses.

The loan that Oscar has applied for is to build a room in order to have a little more privacy. He cannot finance this investment all in one go, because his wages are very low. Consequently, with this loan, he intends to buy all the materials necessary to start the job: - cement, sand, steel and blocks, and he will also pay for the labour. He is grateful for the support and trust that Kiva, via Afodenic, place in him, enabling him to improve his quality of life.
View original language description ↓
El joven Oscar de 27 años de edad habitante del municipio de ticuantepe junto a su mama, es soltero su sueño más grande es poder construir una casita en un futuro para ser independiente, trabaja para una empresa privada y con sus ingresos le apoya a su madre con los gastos del hogar, el crédito solicitado es para realizar un cuarto para tener un poco mas de privacidad, dicha inversión no la puede cubrir de una sola vez porque su salario es muy bajo por lo que con el financiamiento comprara todos los materiales necesario para empezar la obra como son: cemento, arena, hierro, bloques, y pagara la mano de obra, agradece el apoyo y la confianza que le brinda Kiva a través de Afodenic para 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
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Oscar Antonio to buy cement, sand, steel and blocks, and to pay labour expenses.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013