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Jose Dolores
José is thirty-eight years old. He works loading and unloading containers at a private business. He works very hard in order to move his family ahead. His wife is a homemaker, and they have one son who is in school.

José has many wishes to improve his small house and his family's living conditions. For this reason, he is requesting a loan in order to buy construction materials so that he can build up the front wall of his house and repair another wall of his home. This will help guarantee security for his family.
View original language description ↓
José es un joven de 38 años de edad, labora como cargador de contenedores en una empresa privada, trabaja arduamente para sacar adelante a su familia, su esposa es ama de casa, ambos procrearon un hijo que está en edad escolar, José tiene muchos deseos de mejorar las condiciones de su casita, para eso solicita este crédito para comprar los materiales y poder realizar el muro frontal y repellar una pared de su vivienda, así garantizarle seguridad a su familia.

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

  • $3,636
    Average annual income
  • 119
    View loans »
    Nicaragua Loans Fundraising
  • $24,405,100
    Funds lent in using Kiva
  • 25.6
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,375 helped Jose Dolores to buy cement, sand, iron bars, blocks, and piedrin.
87% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 22, 2014
Currency Exchange Loss: