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Jose Dolores
José Dolores is a builder by trade though he has future plans to set up a small grocery stall in order to make more income. He will run the store with his wife's support. He also plans to improve his home since it is starting to show signs of wear and tear. José Dolores is a hard-working and unassuming man who works hard to support his family since the building trade is such that sometimes there is a run of work and other times jobs are scarce.

José Dolores will use his loan to buy building supplies such as cement, iron, sand, beams, blocks, quarry stone and other materials he needs to build a room. He is grateful to the financial institution for their support in improving his home and his standard of living.
View original language description ↓
José Dolores de profesión albañil tiene como planes establecer en un futuro una pulpería para obtener mayores ingresos y con el apoyo de su esposa administrarla, así también el mejoramiento de la vivienda ya que se le está deteriorando es un hombre humilde y trabajador que con mucho esfuerzo mantiene a su familia ya que ser albañil es una profesión que algunas veces existen trabajo seguido y en otro tiempo son un poco escaso.
El préstamo que solicitad es para la compra de materiales de construcción como: cemento, hierro, arena, perlines, bloques, piedra cantera entre otros materiales para la construcción de un cuarto. Agradeciendo a la financiera por su apoyo para el mejoramiento de su vivienda y nivel de vida.

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
  • $26,238,100
    Funds lent in using Kiva
  • 21.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Jose Dolores to buy building supplies.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 22, 2010
Feb 1, 2011
Currency Exchange Loss:
Nov 15, 2011