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Kairo Jose
47 year old Kairo Jose is married and has three kids. The eldest child is 10, the middle child is 4, and there is a small baby only a few months old. For the past eight years he has worked for the Ministry of Health as a radiology technician. His wife looks after the house and children and also sells Zermat and Avon products to earn extra income to help with the family expenses. Kairo is requesting his third loan and hopes that the KIVA fund will enable him to improve his house by building a small porch so that his kids will have a place where they can play. He dreams of giving his kids, little by little, the necessary things in their house for them to grow up in a pleasant home environment. He also wants them to study and to become good people who will move their country forward.
View original language description ↓
Kairo Jose de 47 años de edad es casado, tiene 3 niños, el mayor de 10 años, otro de 4 años y bebesito de meses, labora para el MINSA como tecnico radiologo desde hace 8 años. Su esposa se encarga del cuido de la casa y de los niños ademas vende producots Zermat y Avon para obtener ingresos adicionales que ayuden con los gastos de la familia. Kairo esta solicitando su 3er credito y espera ser beneficiado con el Fondo Kiva, para mejorar su casa de habitacion construyendo un pequeño porche, para que sus hijos tengan un lugarcito para jugar, sueña con ir dandole poco a poco las condiciones necesarias a su casa para sus pequeños crezcan en un ambiente agradable, ademas desea que estudien y sean personas de bien que saquen adelante al pais.

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Kairo Jose build a porch for his family's house.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 29, 2009
Nov 6, 2009
Currency Exchange Loss:
Oct 16, 2010