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Julio Antonio
Julio has 3 children who financially depend on him. He works for the Municipality in the winery area, and his wife is a housewife and also studies at the university. Julio's main goal is to have a decent home and to provide his family with better life conditions, which is why he's requesting a loan. He plans to buy construction materials to build an annex to the kitchen and to make improvements to one of the rooms for his children.
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El Sr. Julio, es padre de 3 hijos que dependen de él, trabaja para la Municipalidad en el área de bodega, su esposa es ama de casa y actualmente está estudiando en la universidad para salir adelante. El mayor propósito de Julio es contar con una vivienda digna y darle mejores condiciones de vida a su familia, por lo que solicita este crédito para comprar materiales de construcción para realizar anexo en la cocina de su casa y mejorar un cuarto para 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
  • 63
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD
A loan of $1,225 helped Julio Antonio to buy cement, iron, sand and blocks.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2013
Jul 1, 2013
Currency Exchange Loss:
Jul 31, 2013