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Jose Heliodoro

Update on Jose Heliodoro

Jose Heliodoro, an elderly man, makes his living selling firewood, ice and ice cream out of his home. He also helps with masonry work when the opportunity presents itself. With his different jobs he has helped his only son with his studies, clothing and food, always counting on the support of his wife, the pastor of an evangelical church. This is his 12th loan for infrastructure. He will finish 2 rooms that he has already started but which lack walls, floors, windows and roofing. In order to do this he needs to buy more cement, sand, cinder block, tin sheeting, and to begin the work himself, taking advantage of his knowledge. This is made possible thanks to the loans, which make him very happy to be able to continue improving his house.
View original language description ↓
Don José Heliodoro un señor de avanzada edad, se gana la vida vendiendo leña, hielo y helados en su casa, también se ayuda con los trabajos de albañil que a veces se le presenta la oportunidad, con diferentes trabajos ha sacado adelante a su único hijo con sus estudios, ropa y alimentación siempre contando con el apoyo de su esposa, es pastor de una iglesia evangélica, el está optando por un doceavo crédito para infraestructura, terminar de hacer dos cuartos que ya había empezado el cual todavía le falta la mayor parte como paredes, piso, ventanas, techo y para eso necesita comprar más cemento, arena, bloques, laminas de zinc y a empezar la obra por él mismo aprovechando sus conocimientos y siendo esto posible gracias a los financiamientos por el cual está muy contento de poder seguir mejorando su vivienda.

Previous Loan Details

José works in construction. As a young man, José trained as a bricklayer and now earns his living from such a profession. Both he and his wife have worked hard to improve their standard of living. José’s wife works in the domestic sphere and both help each other. With the help of Afodenic J... More from Jose Heliodoro'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 Nicaragua

  • $4,800
    Average annual income
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Jose Heliodoro to buy cement, sand, cinder blocks and tin sheeting for rooms.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 14, 2013
Currency Exchange Loss:
Nov 17, 2013