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Marvin Jose
Marvin is a musician by profession, a skill he learned when he was very young. And this has been the vehicle by which he support his family. He is the father of two children and he is married.

With earnings from his work he managed to install a convenience store to help him cover the expenses. And with loans from Afodenic (Kiva Field Partner) over the past three cycles he has invested in inventory for his store. There have been some changes. His wife provides private custodial services, he works as the musician in a restaurant, and their youngest daughter carries out the sales.

His objective has been to cover his expenses especially because everything is so high in price and the sales have been slow.

This new loan will be used to make divisions to the bedrooms to have privacy in his family. There will still be some renovations to be made but he hopes to achieve those in future loan cycles. He will purchase construction materials to start the project.
View original language description ↓
Marvin de profesión músico, oficio que aprendió desde muy joven, el cual ha sido su medio para apoyar a su familia, padre de dos hijos. Casado.
Con las ganancias de su trabajo logro poner una pulpería para lograr cubrir los gastos, y con financiamiento que Afodenic ha dado en tres ciclos lo ha invertido en inventario de la pulpería.
Hoy en día ha habido cambios, ya que su esposa está trabajando en servicios domésticos, el de músico en un comedor, y la venta la despacha su hija menor.
El objetivo ha sido para equilibrar los gastos ya que todo está ah altos costos y las ventas hay día que son pocas.
Con este nuevo préstamo será para hacer divisiones a los cuartos, y tener privacidad con su familia. aun falta cosas por seguir mejorando lo que espera lograr atravez de los ciclos de los prestamo. Para esto comprara materiales de construcción comenzando la obra.

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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Marvin Jose to purchase construction materials to make divisions in the bedrooms for privacy.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 30, 2011
May 12, 2011
Currency Exchange Loss:
May 15, 2012