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Javier Antonio
Don Javier and his wife, who is a housewife, have three children that go to school and financially depend on him. He works for the municipality as a truck driver but needs to request a loan to buy construction materials. He needs to repair 20 meters of wall that are damaged and will likely get worse during the winter. He would like to make improvements before it's too late and to count on a safe and well-conditioned house for his family.
View original language description ↓
Don Javier, junto a su esposa quien es ama de casa procrearon tres hijos que van a la escuela y dependen económicamente de él, labora para la Municipalidad como conductor de camiones pesados. Se ve en la necesidad de solicitar financiamiento porque requiere comprar materiales de construcción para repellar 20 metros de pared lo que se encuentra en mal estado y con el invierno se pondrá peor, antes que se le termine de destruir esta parte de su casa desea mejorarla, Para contar con un lugar seguro y con buenas condiciones para vivir con la familia.

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
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 24.7
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $825 helped Javier Antonio to buy cement and sand, and to pay wages.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013