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Errol Haward
Errol is 53 years old and has a daughter who is studying at the university in the capital city. He works as a professional education teacher at URACCAN university. He lives in Zone #6 in Nueva Guinea.

He has been able to meet his goals through loans he has received; and he is very grateful to Kiva because he was able to put up a fence around his property. This isn't enough however and he wants to continue making improvements and is requesting his third loan to buy construction materials. He plans to build his own house.

His dream is to finish his house and see how his daughter completes her college education to become a successful professional and good citizen.
View original language description ↓
Errol de 53 años de edad, tiene una hija la cual realiza estudios Universitarios en la cuidad Capital, trabaja como docente de educaciòn profesional en la universidad URACCAN, es habitante de la zona # 6 de Nueva Guinea, ha logrados sus propositos mediante creditos y esta muy agradecido con el Fondo Kiva ya que gracias a esto pudo cercar su solar pero no es suficiente y necesita continuar mejorando; por tanto solicicita su tercer crèdito para comprar materiales de construcciòn y poder construir su propia vivienda, sueña con ver su casa construida y que su hija termine sus estudios universitarios para que sea una excelente profesional y una persona de bien.

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,366,175
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Errol Haward to buy construction materials.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 17, 2011
Apr 1, 2011
Currency Exchange Loss:
Dec 15, 2012