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Javier Pedro
Javier is from Waspam. He is 38 years old, and married with four school-age children. He has over ten years’ experience as a teacher. He has lived in a stilt wooden house for five years. With the goal of gradually building his concrete home, he is requesting a loan to purchase building materials such as cement, blocks, iron, and cover labor costs. His dream is to have a toilet with a septic tank because the latrine he currently has is in fair condition.
View original language description ↓
Javier: Es originario de Waspam, tiene 38 años de edad, está casado con 4 hijos en edad escolar. Cuenta con una experiencia de más de una década de ser docente. Desde hace 5 años habitaba en una casa de tambo de madera. Con el propósito de construir poco a poco su vivienda de concreto solicita financiamiento para comprar materiales de construcción: cemento, bloque, hierro y cubrir costos de mano de obra. Su sueño es tener un inodoro con fosa séptica, ya que actualmente tiene una letrina en regular estado.

Additional Information

About Pana Pana

Pana Pana is a nonprofit civil association founded in 1990 in Nicaragua. The organization’s official name is Asociacion para el Desarrollo de la Costa Atlantica (Association for the Development of the Atlantic Coast) but they have always been know as Pana Pana which means “mutual help” in the local language.

Pana Pana offers loans for commerce, housing, and a small number of agriculture loans. They also have a small social development unit that runs Pana Pana’s non-financial services. This includes technical assistance for housing loans and the development of a water and sanitation project.

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
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • 26.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Javier Pedro to gradually build his concrete home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 24, 2014
Jun 30, 2014
Currency Exchange Loss:
Jun 17, 2015