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Harold Enrique
Harold is 36 years old, married, and works as a construction contractor. His wife is a housewife, and he has 4 children, ages 6 months, 4, 11, and 12. Two of them go to school.

Harold has been a good worker who is devoted to his family. Two years ago he went to Costa Rica to build a house as they lived with his mother and father-in-law. These were very difficult days for him, but he is happy because he managed to almost complete the construction of his house.

Now, making the improvements will be done in installments through the loan from Afodenic. He gets less income in Nicaragua, and he needs to cover all of the expenses. He will use the loan to buy construction materials to plaster the walls, put down tile, and to have better hygiene in his house.
View original language description ↓
Harold tiene la edad de 36 años, casado, de oficio contratista de construcción, su esposa es ama de casa, padre de 4 hijos de 6meses, 4,11 y 12 años de edad, dos de ellos estudiantes.
Harold ha sido bien trabajador, dedicado a su familia, hace dos años se fue al país de costa Rica, con el objetivo de construir su casa, ya que Vivian con sus suegros, días muy difíciles para él, pero contento porque logro la construcción casi completa de su casa. Ahora para terminar de hacer las mejoras será por medio de financiamiento en Afodenic, siendo a plazos. Ya que los ingresos obtenidos son menos en Nicaragua, y tiene que cubrir todos los gastos. Comprara materiales de construcción para repellar paredes, y embaldosar, y lograr una mejor higiene en su hogar

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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,410,775
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $850 helped Harold Enrique to buy construction materials to plaster the walls and put down tile.
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 5, 2012
Currency Exchange Loss:
Sep 4, 2012