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Jose Emilio

Update on Jose Emilio

José Emilio is 35 years old. His wife is a housewife, and his three children are always studying, thanks to his job for the past 3 years working as a bricklayer's assistant for a state institution. His entire family depends on his salary, as he is the only person in the family who works.

He is asking for this third loan to continue building his house. Currently, some parts of the house are covered with zinc panels, which produce a lot of heat during the day. The first thing José Emilio will do is build concrete walls, for which he needs to buy cement, sand, iron, gravel, and blocks. He will also pay for labor costs, all in order to give his family a safe place to live.
View original language description ↓
El sr. José Emilio de 35 años de edad, es acompañado, su pareja es ama de casa sus 3 hijos siempre están estudiando gracias a su trabajo desde hace 3 años para una institución del estado como ayudante de albañilería, toda su familia depende de su salario ya que él es el único que trabaja. Solicita este tercer crédito para continuar con la construcción de su vivienda que actualmente tiene partes forradas de laminas de zinc lo cual produce mucho calor durante el día, lo primero que hará es la construcción de paredes de concreto, por lo que necesitara comprar cemento, arena, hierro, piedrines, bloques y pagara la mano de obra para poder brindar a su familia un lugar seguro para vivir.

Previous Loan Details

Jose Emilio, 33 years old, is single. He has worked for the Alcaldia de Juigalpadesde for two years as a bricklayer assistant. He is requesting his second loan so that he can finish construction on a room in his house because with the previous loan he was only able to buy part of the materials. T... More from Jose Emilio'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

  • $3,636
    Average annual income
  • 146
    View loans »
    Nicaragua Loans Fundraising
  • $24,067,475
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Jose Emilio to buy cement, sand, iron, gravel, blocks, and to pay for labor expenses to build a house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Dec 1, 2012
Currency Exchange Loss:
Feb 17, 2014