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Bayardo Heriberto
Don Bayardo is 49 years old, married, and has three children who are under school age. He has worked for the San Antonio Supermarket as a distribution manager for water for 20 years.

He is requesting his second loan with the goal of continuing to improve his home, this time laying the tile and putting up the ceiling, and if there is the money, laying bathroom tiles – all for the purpose of providing greater comfort to his family.
View original language description ↓
Don Bayardo de 49 años de edad es casado, tiene 3 hijos menores en edad escolar, labora para el Supermercado San Antonio como gerente de distribuidora de agua desde hace 20 años.

Esta solicitando su 2do credito con el objetivo de continuar mejorando su vivienda, esta vez echandole la ceramica y ademas ponerle el cielo razo y si el dinero alcanza poner azulejos al baño para de esta manera brindar mayor comodidad a 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 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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 21.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Bayardo Heriberto echar piso, poner cielo razo.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 20, 2010
Dec 1, 2010
Currency Exchange Loss:
Nov 15, 2012