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Harlin Jose
Harlin, 31, has been working for the Ministry of Education as a Teacher for six years. He’s asking for his second loan to erect two walls that are in poor shape so that he can have better living conditions at home and increase his property’s value. According to his coworkers, he’s quite responsible, honest and very hardworking. His greatest dream in life is that his family enjoys good health, love and peace which are the most important things in life as well as to improve his living conditions, to have a well-paid, dignified job and to continue with his studies.
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Harlin de 31 años de edad, tiene 6 años de trabajar como docente para el Ministerio de Educacion, solicita su 2do crédito para levantar dos paredes que están en mal estado y de esta manera tener mejores condiciones en su hogar y darle mas valor a la propiedad, segun sus compañeros de trabajo es bien responsable, honesto y muy trabajador, su mayor sueño en la vida es que su familia goze de salud, amor y paz que es lo mas importante en la vida como tambien mejorar sus condiciones de vida, tener un trabajo digno bien remunerado y seguir estudiando .

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
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • 23.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Harlin Jose to erect two walls.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Dec 23, 2011
Jan 16, 2012
Currency Exchange Loss:
Apr 18, 2013