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Julio Cesar

Update on Julio Cesar

Julio Cesar is 30 years old and married. He has a nine month old baby. He has worked as an accounting consultant for one year. He is requesting his second loan with the objective of continuing to improve his home. He is building an addition on his home that will serve as a kitchen. This addition will bring more comfort to his family. It’s worth noting that Julio has benefited from Kiva in the past and he was able to put tiles down and build a room. The home is small and in the midst of renovations and he needs to equip it properly for his family.
View original language description ↓
Julio Cesar de 30 años de edad es casado, tiene una bebé de 9 meses de edad, labora como consultor contable desde hace 1 año. Esta solicitando su 2do credito con el objetivo de continuar mejorando su casa construyendo un anexo en su casa que le servira como cocina y asi brindar mayor comodidad a su familia. Cabe señalar que anteriormente fue beneficiado con el fondo kiva y logro poner la ceramica y construir un cuarto, pues como la vivienda es de proyecto es muy pequeña y necesita acondicionarla para su familia.

Previous Loan Details

Julio Cesar is 25 year old and married. He has worked for the Fundación José Nieborowski for five years as an assistant for Internal Audits. His wife works for Bancentro (the Credit Bank of Central America). She is accompanied by a cousin who lives with them. As Julio's work is performed acco... More from Julio Cesar's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Julio Cesar build an addition.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 17, 2011
Oct 7, 2011
Currency Exchange Loss:
Nov 18, 2014