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Manuel Antonio
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Don Manuel is 40 years old and married; he lives in the Laureles Sur neighborhood. He has a 13 year old son who is in first grade. His wife works in domestic service to help make sure the family lacks nothing for the household. Manuel has worked for a private company for 10 years. With the loan he will make improvements to his home, including the construction of a bathroom and the installation of a ceramic floor in the living room. To make this improvement he will have to buy blocks, sand, cement and steel.

As he looks to the future, Don Manuel wants to finish his home. With that desire in mind, he and his wife both work to move the family ahead and meet their goals. They want to be able to give a good education to their son.

Translated from Spanish by Erin Corcoran, Kiva volunteer.

Don Manuel tiene 40 años de edad, es casado y habita en el barrio Laureles Sur, tiene un hijo de 13 años de edad, que está en primaria, su esposa trabaja en servicios domésticos y así ayuda a su familia a que no falte nada para el hogar. El Sr. Manuel trabaja en una empresa privada tiene diez años de estar laborando y con el dinero que está solicitando es para hacer mejoras en su vivienda en la construcción de un baño y poner cerámica en la sala y para eso tiene que comprar bloques, arena cemento hiero.

A futuro desea terminar de construir su casa, por eso trabajan los dos para salir a delante y poder realizar las metas, desean tener salud para darle los estudios necesarios a su hijo

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
  • 53
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 19.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Manuel Antonio construction of a bathroom in his home and installation of a ceramic floor in the living room of his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2008
Aug 30, 2008
Currency Exchange Loss:
Oct 15, 2009