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Gilberto Jose

Update on Gilberto Jose

Gilberto, a professional photographer for more than 11 years, continues his work attracting new clients every day. He does this work as a vocation, and in the future he wants to upgrade his camera accessories on account of the new technology. He does this work on foot, in school, at social events, at birthdays, etc. His wife works in her small grocery business, which continues, and their children have finished the school year.

For Gilberto, home construction is a priority. With the last loan he built concrete rooms onto the back part. Today with this new financing, he will continue erecting walls in the front part, which he is happy about for the good of his family, to have a proper home.
View original language description ↓
Don Gilberto de profesion fotografo, por mas de once años, sigue con su trabajo poniendo empeño cada dia en la captacion de clientes nuevos, trabajo que hace con vocacion y que afuturo desea mejorar sus accesorios fotograficos por la nueva tecnologia. Trabajo que hace ambulante, en colegios, eventos sociales, cumpleaños y otros.
Su esposa esta trabajando en su pequeño negocio, que sigue adelante, con su pulperia y sus hijos terminando el año escolar.
Para don Gilberto la construccion de su casa es su prioridad, con el credito anterior logro la construccion en la parte de atrás de los cuartos de concreto, hoy con este nuevo financiamiento seguira levantando paredes, en la parte de enfrente, lo que esta contento por el bien comun de su familia, al poder dar un techo digno.

Previous Loan Details

Gilberto is a very hard working father. He is a photographer and has several years experience in the field. Starting off with great expectations for improvement, he has been achieving it thanks to Afodenic’s financings. His goal is to build his house entirely of concrete. His wife helps h... More from Gilberto Jose'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 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
  • 54
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,200
    Funds lent in using Kiva
  • 22.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Gilberto Jose to continue constructing his come with concrete walls in the front part of the house.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 18, 2011
Nov 1, 2011
Currency Exchange Loss:
Apr 18, 2013