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Ever Jose

Update on Ever Jose

Ever is married and his wife is a dressmaker. They have 3 children, all students. He continues, as always, with his work as a waiter in a restaurant where he has many years experience. He has used his loans to make improvements to his home. This time, he wants to divide up rooms and cover walls within his house. To do so, he will buy sheets of gypsum, metal separators, sand, and cement.

His goal is to have a dignified house where they can live, and to provide a good home for his children where they can study and prepare themselves for a profession.
View original language description ↓
Don Ever es casado su esposa es modista tienen 3 hijos todos estudiantes, continua siempre con su trabajo como mesero en un restaurante en el cual lleva muchos años de experiencia, los créditos los ha utilizado para mejorar su vivienda, esta vez desea hacer divisiones de cuartos, repello de paredes de su casa para esto comprara laminas de gypsun, separadores metálicos, arena, cemento, su propósito es tener una casa digna donde vivir y dejarle a sus hijos un buen hogar así como también estudien y se preparen profesionalmente.

Previous Loan Details

Ever is still working as a waiter in one of the restaurants in the city of Managua. He is a hard-working gentleman who has known how to help his children get ahead. For this reason he needs a loan to install doors and windows in his home in order to increase the security and protection of his chi... More from Ever 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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,377,250
    Funds lent in using Kiva
  • 24.1
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Ever Jose to buy sheets of gypsum, metal separators, sand and cement.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 9, 2013
Currency Exchange Loss:
Oct 17, 2013