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Elvin Jose

Update on Elvin Jose

Thirty-two year old Elvin is married. His wife works as a housekeeper, and they have one daughter who is in the fifth year of secondary school. He has worked for the town hall for 11 years as a cleaning operator.

With this loan, he wants to finish constructing his house -- put up a roof, plaster the walls, and install doors and windows.

This gentleman has invested every loan he has been given to build his house and give his family a secure and pleasant place to live.
View original language description ↓
El sr. Elvin de 32 años de edad es casado, su esposa trabaja como domestica, tienen una niña que esta en 5to año de secundaria. El trabaja para la Alcaldia desde hace 11 años como operario de limpieza. Con este credito el quiere terminar de cosntruir su casa ponerle techo, repello de paredes e instalar puertas y ventanas. Este señor a invertido cada credito que se le ha otorgado para construir su casa y brindarle a su familia un lugar seguro y agradable para vivir.

Previous Loan Details

Elvin Jose, 30, is single and lives with his mother and 14-year-old daughter who is in middle school. Elvin has worked for the municipality as a Cleaning Operator for ten years. He is requesting a third loan to continue improving his home by putting up drywall and tiles. His dream is to provid... More from Elvin 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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Elvin Jose to put up a roof, plaster the walls, and install doors and windows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Mar 5, 2013
Currency Exchange Loss:
Aug 17, 2014