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Jose Tomas
Don José is the father of three children and is 46 years old. He has worked providing a transport service for many years. Before that he used to sell used clothing but he took the initiative to change his line of work since the sale of used clothing was not a profitable business. He has a vehicle which he was able to purchase through loans, and he uses it to earn a living from day to day.

There are days where there is not much call for his services and he doesn’t earn much. The most difficult times are when his vehicle is damaged and he has to use his savings to repair it.

With this loan he will put his vehicle through a maintenance check so he can provide a satisfactory transport service for his clients and continue working for his family’s well being.
View original language description ↓
Don José es padre de familia de tres hijos, tiene la edad de 46 años, trabaja en acarreo desde hace varios años, pues anteriormente vendía ropa usada, nace la iniciativa de cambiar de trabajo ya que las ventas de ropa no le estaban generando ganancias. Tiene su vehiculo el cual adquirió al crédito, y es con el que se gana la vida día a día.
Hay días que los comercios están bajos y gana poco, lo mas dificultoso es cuando se le daña el vehiculo y los ahorro los tiene que invertir en su reparación.
Con este financiamiento dará mantenimiento a su vehiculo para poder dar su servicio de acarreo sactifactorio a sus clientes. Y seguir trabajando para el bienestar de su familia.

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
  • 71
    View loans »
    Nicaragua Loans Fundraising
  • $25,756,600
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Jose Tomas spare tyres and vehicle maintenance.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 9, 2010
Jul 3, 2010
Currency Exchange Loss:
Jun 15, 2011