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Jose Ramon

Update on Jose Ramon

Jose Ramon is a young man who has not stopped supporting his mother and siblings now that all of them depend on him financially. He works as a cleaning person for a state agency, is single and has no children. He is asking for a loan to replace another part of the roof on his house, which is in bad state and in this way, little by little, improve his living conditions to live in harmony with his family.
View original language description ↓
José ramón es un joven que no deja de apoyar a su madre y hermanos ya que todos dependen económicamente de él, trabaja como operario de limpieza para una institución del estado, el es soltero no tiene hijos aun. Solicita este crédito para cambiar otra parte del techo de su vivienda, el cual se encuentra en mal estado, de esta manera poco a poco va mejorando las condiciones necesarias para vivir en armonía junto a su familia.

Previous Loan Details

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 ... 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

  • $4,800
    Average annual income
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,818,275
    Funds lent in using Kiva
  • 25.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Jose Ramon to repair his roof.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 13, 2013
Jan 4, 2014
Currency Exchange Loss:
Feb 17, 2015