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Yonis Alberto
Yonis is a young man of 24. He is married but is not a father yet. He works as a shop assistant in a store, as does his wife. He has been working in the store for five years. Yonis is a young man with limited financial means who would like to make progress and improve the condition of his home. He has also worked in construction and has gotten ahead in life despite the financial circumstances of his family.

Currently, Yonis' home is made from wood and he has experienced problems with sun and water. Now that he is married, he would like to do better for both himself and his wife. With the support of his wife, he would like to build a room from concrete.

Yonis does not have the capital he needs to start this work but, through Afodenic, he will be able to buy construction supplies (stone, blocks, sand, cement, iron, nails and planks) and start building his room. He is happy that he will be able to start making this improvement as it will provide him with better hygiene and safety.
View original language description ↓
Yonis es un joven de 24 años de edad, casado, aun no es padre, el trabaja en una tienda de vendedor, a si mismo su esposa, el tiene cinco años laborando en la tienda, pues es un joven de poco recursos economico el cual quiere progresar al tener mejores condiciones de vivienda. Tambien ha trabajado en construccion y ha salido adelante bajo las circuntancias economica de su familia.
actualmente su casa es de madera, en donde ha pasado dificultades de sol y agua, ahora que esta casado le impulsa superarse para ambos y con apoyo de su pareja, quieren construir su cuarto de concreto.
el no cuenta con el capital suficiente, para comenzar, pero atravez de Afodenic, se le hara posible la compra de materiales de construccion en piedra, bloques, arena, cemento, hierro, clavos, tabla. Para comenzar su cuarto. Esta sastifecho por esta mejora que comenzara y que le dara mejores condiciones de higiene y seguridad.

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
  • 47
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Yonis Alberto to buy construction supplies to start building a room.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jul 16, 2011
Jul 24, 2011
Currency Exchange Loss:
Oct 16, 2012