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Cliffor Sebastian
Cliffor is a 26-year-old married father of a 4-year-old son who is in preschool. He has been working for MINSA for 6 years. He is requesting his 5th loan, which he wants to use so that he can pay for laborers for his home construction. With the previous loans, he purchased materials. For him, he urgently needs to have his own family home because they are currently living at his mother-in-law’s house, which is causing them many problems. Cliffor is an excellent client and worker. He hopes to pay off his loan in the least amount of time as possible so that he can request another one and finalize construction of his house, which has been his dream.
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Cliffor es casado, de 26 años de edad, tiene un niño de 4 años de edad estudiando el pre-escolar, trabaja para el MINSA desde hace 6 años, esta solicitando su 5to credito, el que utilizara para pagar la mano de obra de su vivienda, la que ya esta en construccion, con los creditos anteriores compro materiales, pues es urgente para el tener su vivienda para su familia, ya que actualmente estan habitando en casa de la mamà de su esposa y esto les trae muchas complicaciones. Cliffor es un excelente cliente y trabajador, sus deseo es pagar en el menor tiempo posible su credito para solicitar otro y finalizar la construccion de su vivienda que ha sido un sueño para el.

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 Nicaragua

  • $4,800
    Average annual income
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 19.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Cliffor Sebastian home construction.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 16, 2009
May 20, 2009
Currency Exchange Loss:
Oct 15, 2009