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Nelvis Tomas
Nelvis Tomas Young is a young man of 26 years of age, has worked as primary school teacher for six years and his wife also serves as school teacher. They both have an education degree and earn a monthly salary that allows them to live comfortably. Nelvis is characterized as a person with a high spirit of excellence, responsible and honest, with good manners and good social relationships, well liked and respected by his neighbors and coworkers.
He requested the support of Kiva with this 4th loan to buy construction material. He is making his purchases little by little, considering his limited income. His plan is to make improvements to his humble housing and build what is still missing. He is grateful to Kiva for the previous loans he received and that allowed him to plaster the walls of his house.
His dream is to go to graduate school, have job security and keep his family always together.
View original language description ↓
El joven Nelvis Tomas de 26 años de edad trabaja como docente de primaria desde hace 6 años, su esposa tambien se desempeña como docente de primaria ambos son docente graduados y devengan un salario mensual que les permite vivir comodamente, Nelvis se caracteriza por ser una persona con un alto espiritu de superacion, responsable y honesto, de buenas costumbres y con excelentes relaciones sociales es bien querido por sus vecinos y compañeros de trabajo.

Solicita nuevamente el apoyo de Kiva en su 4to crèdito para comprar materiales de construcciòn e ir comprando poco a poco ya que de un solo se le hace dificil por sus ingresos que son limitados, pretende comprar cierta parte de materiales para luego realizarle mejoras a su humilde vivienda que aun le falta, a la vez agradece a Kiva por el financiemiento anterior el cual fue beneficiado, pues logro repellar las paredes de su casa.

Su sueño es culminar sus estudios universitarios y tener estabilidad laboral y tambien que su familia permanezca siempre unida.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 22.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Nelvis Tomas to purchase construction material.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 23, 2011
Apr 1, 2011
Currency Exchange Loss:
Mar 15, 2013