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Osman Antonio

Update on Osman Antonio

Osman Garcia is married and has two children who depend on him. He supports them through his job as a government truck driver. The work is a bit tough, but Oman goes out to cover the streets daily. He is asking for this loan in order to build a porch in front of his home and also to install a floor so that he can provide his family a better home life in a dignified way. His children will be able to play in a bit more room.
View original language description ↓
El sr. Osman García es casado, tiene 2 hijos que dependen de él, a los que mantiene de su trabajo como conductor de camión para el gobierno, labor un poco pesado pero así día a día don Osman sale a recorrer las calles. Solicita este crédito para la construcción de un porche en la parte delantera de su casa además desea poner cerámica en el piso para darle un poco mas de vida a su hogar para que su familia viva de una manera digna, sus hijos puedan jugar con un poco más de espacio.

Previous Loan Details

Osman has been working as a machinery operator for Juigalpa council for more than 20 years. He is requesting his second loan so that he can continue improving his housing conditions, this time building a wall that will help provide an outlet for water during the winter season. He dreams of bein... More from Osman Antonio'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
  • 35
    View loans »
    Nicaragua Loans Fundraising
  • $26,398,725
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Osman Antonio to buy building materials.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 23, 2013
Currency Exchange Loss:
Nov 17, 2014