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Walter Juan
Mr. R. is single and he's 43 years old. He has been working in the Mayor's office in Juigalpa over the past 13 years as a janitor. He's requesting a loan in order to continue to build his home since the previous loans helped to finished half of the walls. He now needs to finish them and buy material for his roof.
His life partner works at the Tierno Galvan School in Juigalpa selling snacks to the students. This helps to pay the bills. They have 2 daughters. One who is married and the other one who is 15 years old who was born sick because at birth she drank amniotic fluid. They're responsible for her and she can't go to school because she's under their care.
Mr. R. is a hard worker and a responsible client even though his salary is very low, he has been able to pay his debts on time.

View original language description ↓
El Sr. R. es acompañado, de 43 años de edad, tiene 13 años de laborar para la Alcaldia de Juigalpa, como operario de limpieza, está solicitando su credito para continuar con la construcción de su casa, ya que con los créditos anteriores unicamente levanto la mitad de las paredes, ahora necesita completarlas y comprar los perlines para el techo, su compañera de vida trabaja en la Escuela Tierno Galvan de Juigalpa vendiendo golosinas a los estudiantes, y con ello apoya en los gastos del hogar, tienen 2 hijas una ya está casada y la última de 15 años está enferma debido que al nacer tragó liquido amniotico y está bajo su responsabilidad, no puede estudiar y está bajo sus cuidados. Es un trabajador y cliente responsable que a pesar de su bajo salario ha sabido dar cumplimiento a sus compromisos

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
  • 102
    View loans »
    Nicaragua Loans Fundraising
  • $24,739,175
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Walter Juan to continue building his house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 11, 2008
Oct 27, 2008
Currency Exchange Loss:
Apr 15, 2010