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Ramon Enrique
Ramón is a 53 years old who is very dedicated to his children. He lives with his wife in the municipality of Chontales. He works in a local hospital as a stretcher-bearer.

Ramón is requesting this loan to make improvements to the kitchen of his house. He wants to replace the planks and zinc sheeting that currently cover the walls as it leaks when it rains due to their deteriorated condition. He hopes to improve the condition of his house with this work.
View original language description ↓
Don Ramón de 53 años de edad, es una persona dedicada a sus hijos, él habita con su esposa en el municipio de Chontales, trabaja para un hospital de su pueblo ejerciendo la labor de camillero. Solicita este crédito para realizar mejoras en la cocina de su casa, así como cambiar tablas y el zinc que actualmente tiene como paredes de su casa el cual se le mete el agua cuando llueve por el mal estado de las mismas, con esta mejora desea contar con mejores condiciones en su hogar.

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
  • 40
    View loans »
    Nicaragua Loans Fundraising
  • $26,402,175
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ramon Enrique to buy construction materials like cement, cinder blocks, re-bar and sand.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 30, 2013
Sep 15, 2013
Currency Exchange Loss:
Nov 17, 2014