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Luis Isaias
Luis Isaias is married and the father of 3 children in primary school. He lives in Zone # 6 of the municipality of Nueva Guinea. For 13 years, he has worked as a small-scale businessman. He is requesting his first loan from the AFODENIC organization, hoping to receive benefits from the Kiva fund in order to improve his home. He wants to replace the roof and construct a kitchen, thus improving his family's living conditions. His greatest dream is to make some improvements to the home where he lives, so that he can provide his family with an attractive and dignified place to live. Luis Isaias is well-recognized in his community for his good habits, and he is very hard-working.
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Luis Isaias es casado, padre de 3 niños menores estudiando la primaria, habita en la zona # 6 del municipio de Nueva Guinea, tiene 13 años de laborar como pequeño comerciante, esta solicitando a la instituciòn de AFODENIC su primer crèdito esperando ser beneficiado con el fondo kiva para mejorar su casa cambiandole el techo y construyendo la cocina y asi mejorar las condiciones de vida de su familia, su mayor sueño es mejorar poco su casa de habitaciòn y de esta forma darles un lugar digno y bonito a su familia. Luis Isaias es bien reconocido en su comunidad por sus buenas costumbres, y por ser muy trabajador.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Luis Isaias replacing the roof and constructing a kitchen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 18, 2010
Feb 23, 2010
Currency Exchange Loss:
Aug 15, 2011