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Roberto Jose

Update on Roberto Jose

Roberto is a hardworking man who lives in Ticuantepe with his wife and daughter. She is a merchant and sells clothing and shoes. Between the two of them, they support the household expenses. He has been working for a private company for more than six years. His future goal is to finish building his home and provide better living conditions for his daughter. He will use the money from this loan to buy stone, cinder blocks, cement, sand, and iron bars. He is grateful to Afodenic and Kiva for the trust and support they have provided him in making his dream a reality.
View original language description ↓
El señor Roberto, hombre trabajador, habita en el municipio de Ticuantepe junto a su esposa e hija, ella es comerciante de Ropa y Zapatos, entre los dos se apoyan con los gastos del hogar, el labora para una empresa privada desde hace mas de 6 años, su meta a futuro es terminar de construir su casa y darle mejores condiciones a su hija. con este nuevo financiamiento comprara los siguientes materiales: Piedra, Bloques, Cemento, Arena, Hierro. Agradece a Afodenic quen atravez de fondos Kiva la confianza y apoyo brindado para cumplir su sueño en realidad.

Previous Loan Details

Señor Roberto José is 26 years old. He lives in the town of Ticuantepe with his wife who sells clothing and footwear for a living to help with the household expenses. They have one child. Their future plans are to be able to build a house made completely of stone since the house they are curre... More from Roberto Jose'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
  • 43
    View loans »
    Nicaragua Loans Fundraising
  • $26,238,100
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,475 helped Roberto Jose to buy building materials.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 17, 2012
Jan 1, 2013
Currency Exchange Loss:
Aug 18, 2013