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Jose Antono
Don José lives with his partner who works as a secretary. They have two school-age children. For the past two years, José has been working as a publicist for a magazine. He enjoys his work tremendously and hopes to keep growing in the future.

For now, he wants to invest his earnings into improvements to his home which he has owned for many years. José wants to repair the roof of his home, which has deteriorated. For this reason, he is requesting his first loan since his salary will be used for household and school expenses.

View original language description ↓
Don José, es un cliente que vive con su pareja quien trabaja como secretaria, ambos tiene dos hijos en edad escolar, la labor de José es el de publicista para una revista desde hace dos años trabajo que le gusta mucho y espera crecer más adelante, por ahora con sus ingresos desea invertir en la mejora del techo de su vivienda los cuales ya tienen muchos años y se están deteriorando, es por eso la solicitud de este primer crédito, para que su salario le pueda alcanzar para los otros gastos del hogar y de escuela.

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
  • $26,377,250
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Jose Antono to buy zinc sheets and crossbeams in order to repair the roof.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Apr 10, 2013
Apr 18, 2013
Currency Exchange Loss:
Jun 17, 2014