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Wilfredo, 40, has a five year old daughter. His wife is a merchant who helps him with family expenses and other acquired economic responsibilities. He lives in Nueva Guinea’s Zona #3. He has worked honestly and responsibly as an Inspector for CETA INATEC for the last four years.

Engineer M. is very grateful to the institution because this will be the second Kiva loan he’s been granted. He has felt much supported and has improved his home and living conditions. This loan is needed to repair the kitchen thereby gradually improve his home.

His greatest dream in life is to continue studying so that he can be up to date and have stable employment in order to help his lovely family.
View original language description ↓
Wilfredo de 40 años de edad, tiene 1 niña de 5 añitos, su esposa es comerciante, el cual lo ayuda con los gastos familiares y con los compromisos adquiridos, habita en la zona # 3 del Municipio de Nueva Guinea; labora para el CETA INATEC desde hace 4 años desempeñandose con gran responsabilidad y honestidad como inspector.

El Ingeniero M. se siente bien agradecido con la instituciòn ya que este seria el segundo crèditos otorgados por Kiva por lo que se ha sentido apoyado y ha mejorado su vivienda y sus condiciones de vida Este crédito lo requiere para reparar la cocina y de esta menera mejorar poco a poco su vivienda.

Su mayor sueño en la vida es seguir estudiando para vivir actualizado , tener estabilidad laboral para asi ayudar a su linda 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 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
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Wilfredo for kitchen repairs.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 15, 2010
Nov 1, 2010
Currency Exchange Loss:
Feb 15, 2012