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Jose Antonio
José lives in the town of Ticuantepe together with his wife and children. His wife works as a saleswoman in order to help him cover their household expenses as they have children who need their care and support. José has been working as a taxi driver for several years. The biggest difficulty he faces is the rising price of fuel as this affects his profits and very few people choose to take a taxi because of the cost.

José's plan for his family is to improve their living conditions as he hasn't managed to close off part of his house and this is causing him problems because of the rain they get in the winter. He would also like to build a dividing wall between his living room and bedroom because it is all one room right now and there is no privacy. He is grateful for the support and trust he has received from Afodenic through their Kiva fund. It has helped him to improve his quality of life.
View original language description ↓
El señor José , es habitante del municipio de Ticuantepe , junto a su esposa e hijos , su esposa labora como comerciante para apoyarle con los gastos del hogar , ya que tienen hijos y necesitan de su apoyo y cuidado , don José desde hace varios años labora como taxista , la mayor afectación que se le presenta es el alza del combustible ya que esto afecta sus ganancias y muy pocas personas optan por tomar un taxi por el costo , los planes hacia su familia es mejorar las condiciones de vida ya que no ah logrado cerrar parte de la casa lo cual esto le está afectando en gran parte por las lluvias que afectan en el invierno , a la vez quiere realizar un división entre la sala y el cuarto ya que esta todo junto , lo cual no hay privacidad .Agradece el apoyo y la confianza que le brinda Afodenic atrávez de fondo Kiva para mejor su calidad de vida.

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
  • 42
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 22.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Jose Antonio to buy building supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 5, 2011
Oct 12, 2011
Currency Exchange Loss:
Mar 15, 2013