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Jairo Joaquin
Jairo Joaquín, 34, has worked for a year and has demonstrated responsibility and honesty. His wife who is a dentist and a teacher also helps support the family which is very hardworking; they are a very united family.

He’s worked with Afodenic financing and he’s very grateful for it. He’s asking for a new Kiva loan to replace his kitchen’s metal roof since winter has arrived and it’s in bad shape and needs new metal sheeting so that the inside of his home can stay dry and he can thus provide better conditions. He intends to open a business of his own, that the family stays together and to enjoy employment stability.
View original language description ↓
Jairo Joaquin tiene la edad de 34 años, labora desde hace 1 año, el cual ha demostrado responsabilidad y honestidad, recibe la ayuda de su esposa quien es odontologa y docente a la vez son una familia trabajadora y bien unidos. Jairo ha trabajado con credito que le ha brindado Afodenic el cual esta muy agradecido; solicita refinanciamiento a Kiva para cambiarle el zinc a la cocina de su casa, ya que estamos en epoca de invierno y esta en mal estado, por lo que amerita ponerle zinc nuevo de modo que no se moje por dentro de su vivienda, de esta manera les brinda mejores condiciones de vida a su linda familia. Tiene la idea de poner su propio negocio, que su familia permanezca unida y gozar de estabilidad laboral.

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
  • $26,385,025
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Jairo Joaquin to make home improvements.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 21, 2012
Sep 1, 2012
Currency Exchange Loss:
Feb 17, 2014