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Rodolfo Manuel
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The client Rodolfo Manuel asks for a loan to improve his home. He wants to improve his kitchen and in that way improve his family's life. Over time and through loans, he has been building his home. It is built of concrete with a ceramic floor, zinc roof, living room, two bedrooms, electric power, and drinkable water, but the kitchen is not in good condition. He works in the business of servicing topographers. He counts on the support of his wife who helps him with the household expenses. This young man is a professional that started working when he was young. He is humble and has a spirit of personal improvement. In his past loans, he has had good credit history, the will to pay, and responsibly assumes his credit commitments.

Translated from Spanish by Joanna Silverman, Kiva Volunteer.

El cliente Rodolfo Manuel solicita el crédito para mejora de su vivienda, requiere realizar mejoras en la cocina, de esta forma mejorar sus condiciones de vida familiar; con el tiempo y a través de créditos ha ido construyendo su vivenda, está construida de concreto, de piso de cerámica, techo de zinc, sala, dos dormitorio, energia electrica, agua potable, pero la cocina no esta bien acondicionada; labora en la empresa de servicio de topógraficos, cuenta con el apoyo de su esposa que ayuda con los gastos del hogar, este joven es un profesional que desde pequeño inició su actividad laboral, humilde, con un alto espiritu de superación personal, en los créditos anteriores demostro moral crediticia, tiene voluntad de pago, asume con resposabilidad sus compromisos de crédito.

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 19.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Rodolfo Manuel improvements to his Kitchen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 20, 2008
Sep 5, 2008
Currency Exchange Loss:
Dec 15, 2009