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Jose Emiliano
Thirty-nine-year-old José lives in the south Laureles neighborhood. He has been working in construction for many years, work that has allowed him to support his family, as he is the only one that works to cover the basic expenses. His wife is a homemaker and looks after the well-being of the home. They have three children, the oldest of which is 13 years old, whom they support so that they can study and take care of themselves in the future. The requested loan is to work on the wall surrounding their home, which is covered with old metal sheets. He believes this improvement is necessary and important because it will guarantee his children's safety.
View original language description ↓
Don José, de 39 años de edad, habita en el barrio Laureles sur, el tiene muchos años de trabajar en construcción, labor con el que ha mantenido a su familia, siendo el único que trabaja paga los gastos básicos, la esposa es ama de casa y vela por el bienestar y orden del hogar, ambos procrearon 3 hijos siendo el mayor de 13 años a quienes apoya para que estudien y que se puedan valerse solos en un futuro. El crédito solicitado es para ir haciendo el muro perimetral de su vivienda que está cubierto por viejas laminas de zinc, para él esta mejora es necesaria e importante porque garantizara la seguridad de sus hijos.

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
  • 37
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 24.8
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,475 helped Jose Emiliano to buy cinder blocks, cement, sand and iron.
Repayment Term
27 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 14, 2013
Currency Exchange Loss:
Jul 14, 2013