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Update on Adrian

Adrian is 23 and for the last five years has worked as a primary school teacher in Paraiso de Agua Zarca, instructing rural children in this remote location that can be reached only by traveling 3 hours on horseback. From there, he must travel another 2 hours by bus to the city where his family lives, and he sees his family just once a month. This is his fourth micro-loan and he plans to invest in repairing his parents' home, as its walls are in very bad condition. He is known by all in his community to be a very responsible, honest and hard-working young person. His dream in life is to attain a stable living so that his family can enjoy better conditions and health.
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Adrian de 23 años de edad, labora como docente de primaria desde hace 5 años en la comarca Paraiso de Agua Zarca impartiendo el pan de la enseñanza a niños campesinos de la comarca ya que es una comunidad muy alejada del municipio, pues tiene que viajar 3 horas a caballo para llegar a la colonia y despues 2 horas en camiòn para ir a la ciudad a ver a su familia 1 vez al mes. Solicita su 4to crèdito para invertirlo en reparaciòn de la vivienda de sus padres ya que algunas paredes se encuentra en mal estado, según referencias comerciales, personales y laborales ha demostrado ser un joven responsable, honesto y muy trabajador , su sueño en la vida es tener estabilidad laboral y que su familia goze de salud y mejores condiciones.

Previous Loan Details

Adrian is 22, single, and is a teacher. He is characterized as a responsible and hardworking person who teaches elementary school in the community where he lives, which is called Paraiso, in Nueva Guinea. In addition, he uses his time on the weekends to help his parents with their farming activ... More from Adrian'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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 23.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Adrian to buy land where he can build his own house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Feb 18, 2012
Currency Exchange Loss:
Oct 17, 2013