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Osmar Guadalupe
Osmar, 29, is single and for the past 6 years has worked as a cleaning man for the mayor's office of Juigalpa. He is requesting his second loan to build a room in his house so that he can give his family better living standards. His biggest dream is to be able to improve his little house and offer his family greater comfort.
View original language description ↓
Osmar de 29 años de edad es soltero, tiene 6 años de trabajar para la Alcaldia de Juigalpa como operario de limpieza; esta solicitando su 2do credito con el objetivo de construir un cuarto en su casa para asi de esta manera poder brindarle mejores condiciones de vida a su familia. Su mayor sueño es poder seguir mejorando su casita para poder darle a su familia mayores comodidades.

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
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Osmar Guadalupe to build a room.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 16, 2010
Feb 1, 2011
Currency Exchange Loss:
Dec 15, 2011