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Jose Ramon

Update on Jose Ramon

José lives in the neighborhood Divino Niño in Managua, he is 38 years old and work as a security guard. His family depends completely on him, his wife is a housewife and his two children are still young, 8 and 12 years old, and go to elementary school.

José is applying for this loan in order to improve his house, he would like to lay ceramic tiles. He needs to buy cement, sand, and ceramic tiles. With this improvement he hopes to give his humble home a better look so that his family can have better living conditions.
View original language description ↓
Don José, habita en el barrio Divino Niño en Managua, tiene 38 años de edad, trabaja como guarda de seguridad, su familia solamente depende de el, su esposa es ama de casa y sus dos hijos están pequeños con edades de 8 y 12 años, quienes van a la escuela primaria. Este crédito que solicita José es para invertirlo en mejora de su hogar, desea instalar cerámica. Necesita comprar cemento, arena y cerámica, con esta mejora espera brindarle mejor apariencia a su humilde hogar para que su familia vivan en mejores condiciones.

Previous Loan Details

Don Jose Ramon is 37 years old, married, and the father of two children. He currently works as a security guard, a job that supplements his work in agriculture. Jose Ramon has a small farm north of Esteli where he cultivates crops for personal consumption and to sell. With his earnings, he has... More from Jose Ramon'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
  • 139
    View loans »
    Nicaragua Loans Fundraising
  • $24,079,275
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,125 helped Jose Ramon to buy cement, sand, and ceramic tiles.
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jun 15, 2013
Jul 8, 2013
Currency Exchange Loss:
Aug 7, 2013