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German Horacio
Young German is 22 years old, married and has a daughter who is months old. He lives in the town of New Guinea. He has worked as a primary school teacher for seven years. He has the help of his wife who works as a stylist, as well as the help of his mother who takes care of the baby during working hours. The young, hard working couple has fought to have their own little house. They are recognized in their town, very well liked by their neighbors and colleagues for being humble and helpful.

He is requesting a loan to put up bars on the windows of his house since it will provide better security to his house. His dream is to pay this loan and to keep improving his house with future loans and his own work to provide better conditions to his beautiful family.
View original language description ↓
El joven German de 22 años de edad, casado, tiene una niña de meses de edad, habita en el casco urbano de Nueva Guinea, trabaja como docente de primaria desde hace 7 años, cuenta con la ayuda de su esposa quien se desempeña como estilista,tambien cuenta con la ayuda de su mama quien le cuida a la bebe cuando ellos estan en sus horas laborales, ambos jovenes trabajadores han luchado por tener su propia casita, son reconocidos en el municipio, muy queridos por sus vecinos y compañeros de labores por ser humildes y serviciales.
Solicita su crèdito para ponerle verjas a las ventana de su casa, ya que le brindaria mayor seguridad a su vivienda.
su sueño es pagar bien este credito e ir mejorando su Vienda con futuros creditos y trabajo propio, para brindarle mejores condiciones a su linda familia.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped German Horacio to put bars on the windows of his house.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 30, 2012
Sep 2, 2012
Currency Exchange Loss:
Nov 17, 2013