José is a hard-working man. He works shifts - and sometimes double shifts - as a cleaner. He has been doing this for several years, and he has one son. His wife takes in laundry and ironing to help with household expenses, which have gone up recently. José's greatest wish is to finish his house. With an earlier loan, he finished building a room. He now needs to plaster the walls, paint, and tile the floor. What he will do first, however, is change the roof, which is in a poor condition and really needs improvement.
His plan for the long term is to be able to work full time and earn more, so he can save up to complete his home improvements. He is pleased with what he has achieved up to now on his limited resources.
Don José es un hombre trabajador, trabaja por turnos y abecés todo el día como recamarero, lleva varios años en esta labor, es padre de un hijo
Y su anhelo es lograr terminar su casa, su esposa trabaja de lavado y planchado para poder ayudar con los gastos del hogar pues todo ha incrementado. Con el financiamiento anterior logro terminar un cuarto, aun falta repellar las paredes, pintar, embaldosar, y lo que hará a primera instancia es el cambio del techo de su casa ya que esta en malas condiciones y le es de gran necesidad poder hacer esta mejoras.
Sus planes es poder trabajar a tiempo completo para poder obtener ingresos altos y de esta manera ahorrar para poder hacer sus proyectos en su casa a largo plazo.Hasta ahora esta sastifecho por los logros ya que es de pocos recursos economicos.
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.