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Ener Eliu
Ener Eliu Sánchez is a young man who is 24 years old and single. He lives with his parents and works as a security guard at a private home located in the same district. Thanks to the loans AFODENIC has provided, he can finish the construction of his house. This will be the second loan he receives and will use it to purchase building materials.

Ener is very happy that there are families who are able to improve their living conditions through international programs like Kiva. In the future, he expects to have his own family and continue improving his home since they go hand in hand. His is able to cover his loan payments and his other personal necessities.

View original language description ↓
El Joven Ener Eliu Sánchez, tiene la edad de 24 años, habita en Veracruz, junto a sus padres, el es soltero, desde hace cinco años trabaja como guarda de seguridad, en una casa privada del mismo sector donde habita, los planes hacia su familia es poder terminar de construir su vivienda, agradece a Afodenic , por el apoyo que le ha brindado ya que con este segundo préstamo va a comprar materiales de construcción y poder hacer parte de la vivienda , a la vez esta contento ya que son muchas las familias que logran mejorar las condiciones de vida con estos programas internacionales así como kiva. En un futuro espera tener su propia familia y seguir mejorando su casa ya que va parte por parte para poder cubrir la cuota y otras necesidades personales.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 20.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Ener Eliu purchase building materials such as stone, cement, sand, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 19, 2009
Oct 26, 2009
Currency Exchange Loss:
Jun 15, 2010