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Omar De La Concepcion
Sr. Omar is a resident of the town of Ticuantepe and lives with his wife and children. His plans for the future are to improve his living conditions and provide a better state of well-being for his children. For several years, Don Omar has worked for a private residence. His greatest difficulty has been not being able to make a one-time purchase of construction materials so that he can build a room in his house because right now it is very small. Due to the limited space, almost everything is occupied. There is hardly enough space to walk around and no room for additional furniture.

Omar needs this loan to buy construction materials. He is grateful to AFODENIC for providing Kiva funds. The support provided to people with limited resources enables them to achieve their dreams, such as having a decent home.

View original language description ↓
El señor Omar , es habitante del municipio de Ticuantepe , junto a su esposa e hijos , los planes hacia un futuro es mejorar las condiciones de vida , para brindarles un mejor bienestar a su hijos , don Omar desde hace vaR. años labora en una casa privada , la mayor dificultad que se le presenta es que no puede realizar de una sola vez la construcción de un cuarto ya que la casa donde habitan es muy pequeña y casi esta todo junto por los espacios tan chiquitos ; que si logra poner unos muebles no tiene espacio para caminar. El quiere el financiamiento para la compra de materiales de construcción. Agradece Afodenic que atrávez de fondo Kiva el apoyo que le brinda a las personas de bajos recursos para que logren realizar sus sueños de tener una vivienda digna.

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Omar De La Concepcion to buy construction materials for building a room.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 28, 2011
Aug 20, 2011
Currency Exchange Loss:
Jul 15, 2012