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Jose Ramon
Jose Cruz is 29 years old. He is single and doesn't have any children. The people he supports are his mother and his sister. He has been working for City Hall as a janitor for one year. He is requesting this loan to purchase materials like zinc in order to replace the roof in the house where he lives, because the one they have now is in very bad condition and water leaks through when it rains. This impacts his and his family's quality of life, since his mother is an older lady.
View original language description ↓
El joven Jose Cruz de 29 años de edad es soltero, no tiene hijos, las personas que dependen de el son su mama y hermana. El trabaja para la Alcaldia como operario de limpieza desde hace 1 año. Solicita este credito para la compra de materiales como zinc para poder hacer un cambio de techo en su casa de habitacion ya que el que tiene actualmente esta en muy malas condicones y se pasa el agua cuando llueve y afecta la calidad de vida de el y su familia ya que su mama es una señora de edad.

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
  • 96
    View loans »
    Nicaragua Loans Fundraising
  • $24,741,875
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Ramon to buy sheets of zinc, purlin beams, and pay for labor.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Mar 4, 2013
Currency Exchange Loss:
Dec 17, 2013