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Luis Manuel
Luis Manuel is 22 years old and single. He lives with his mom and helps her with the family expenses. They live in Zone #4 in Nueva Guinea. Luis Manuel works as a checkout operator for Pali in Nueva Guinea. He has been in this job for 3 years and makes a monthly wage.

Luis Manuel is a hard-working and responsible young man who has a desire to improve himself. He has worked with Kiva previously and he would like to thank them for giving him this opportunity to continue building his home since he used his previous loan to start building a room.

He is requesting his second loan to invest in plastering his room and putting in a floor so that he can have better conditions in his home. His biggest dream in life is to continue studying so that he can become an excellent professional, to have stability in his work and to form his own family.
View original language description ↓
Luis Manuel de 22 años de edad, es soltero, vive con su mamá quien donde comparte con los gatos familiares, en la Zona # 4 en Nueva Guinea, se desempeña como Cajero para el Pali Nueva Guinea, desde hace 3 años, de donde obtiene sus ingresos mensuales. Es un joven trabajador, con animo de superacion, responsable; ha trabajado con Kiva a quien agradece mucho por brindarle esta gran oportunindad para seguir construyendo su casa, ya que con el credito anterior empezó a construir un cuarto.

Por lo que ahora solicita su segundo crédito para invertirlo repello del mismo y ponerle piso y asi de esta manera gozar de mejores condiciones en su hogar.

Su mayor sueño es ayudar a su mayor sueño en la vida es seguir estudiando y asi llegar a ser un excelente profesional, tener estabilidad laboral y formar su propia 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
  • 83
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Luis Manuel to buy building materials to improve a room.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 15, 2010
Feb 1, 2011
Currency Exchange Loss:
Jan 15, 2012