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Jose Javier

Update on Jose Javier

Javier is a married man who continues to work for the municipality and financially supports his two young children. His wife works as a dressmaker and also studies.

Thanks to his previous loan, he was able to change his house ceiling, which represented a big improvement. He's now requesting a new loan to buy construction materials. He plans to build a porch so that he can provide his children with more and better space to play.
View original language description ↓
Javier, es casado su esposa labora como costurera y estudia, el continua trabajando en la municipalidad con sus ingresos se ayuda para la manutención de sus dos hijos que estan pequeños. Javier con el crédito anterior logro cambiar el techo de su vivienda, lo que significa un gran avance en su hogar, ahora solicita un nuevo financiamiento con el propósito de comprar materiales de construcción para hacer un porche y así contar con mejores condiciones de espacio para que los niños jueguen.

Previous Loan Details

Jose Javier G., age 27, lives with his life partner. He has 2 young children who are in elementary school and are cared for by their mother, who does the housework. Jose has worked for the Alcaldia Municipal de Juigapla for seven years as a municipal police officer. He has succeeded through his o... More from Jose Javier'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
  • 144
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,200
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,225 helped Jose Javier to buy cement, sand, iron and blocks, among others.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013