Update on Jose ElmerJosé Elmer makes a living selling cheese and cream in bulk. He works with his wife; his children are now independent adults. José wants to improve his living conditions and so is applying for a loan in order to replace his roof, which is currently in bad condition, and build a wall. Thanks to this loan, José will be able to move forward with this work by buying materials such as cement, sand, zinc laminate sheeting and purlins.
Previous Loan DetailsJosé Elmer’s highest level of education was completed secondary school. His current business is mobile phone sales. His wife works selling cheese and cream to order to grocery stores and this way they both support each other economically to cover their costs. Their children are adults and wo... More from Jose Elmer's previous loan »
About AFODENICThis 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.
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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.
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