Check out other loans that are currently fundraising!
Bayardo Marcelo
Bayardo Marcelo is 45 years old. He lives with his wife in the Ticuantepe municipality. She sells fruits, vegetables, and groceries to be able to help him with the household expenses. They have two children who go to elementary school. They both need to help to be able to get ahead together as a family.

Bayardo has worked as a bricklayer for a construction business for five years. The greatest difficulty he faces is not having enough money to buy all off the construction materials for his house in one purchase.

He is very happy because he used his first loan to build the four walls of the house. He now wants to buy zinc sheets, beams, doors, windows, and other materials that are needed for the construction.
View original language description ↓
El señor Bayardo Marcelo, tiene la edad de 35 años, habita en el municipio de Ticuantepe, junto a su esposa que labora como comerciante de frutas, verduras y abarrotes para poder apoyarlo con los gastos del hogar, ya que tienen dos hijos que estudian su primaria y necesitan del apoyo de los dos para poder salir hacia adelantes juntos como familia, don Bayardo labora desde hace cinco años como albañil en una empresa constructora ; la mayor dificultad que se le presenta es no poder tener un capital suficiente para poder comprar de una solo ves los materiales de construcción para su vivienda , el está muy contento ya que con el primer crédito logro hacer las cuatro pareces de la misma y ahora quiere comprar el zinc , perlines, puertas , ventanas y otros materiales pendiente para la construcción .

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 Nicaragua

  • $4,800
    Average annual income
  • 57
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 22.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Bayardo Marcelo to buy construction materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 9, 2011
Apr 1, 2011
Currency Exchange Loss:
Jan 15, 2012