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Francisco Xavier
View original language description ↓
Francisco lives in the Hialeah IV etapa neighborhood. She has lived there with his family since he was a child. He is now married and has a 6 year old son. His wife's name is Fabiola Marenco and she is a housewife. She is now thinking about looking for a job so that she can help her husband with the household expenses. Francisco is a driver with 5 years of experience.

The loan he is requesting will be used to make improvements to his home, specifically for the purchase of ceramic tile for his living room. He also has a truck that is in bad shape and he hopes to be able to fix it so that he can start a transportation business. In this manner he hopes to increase his family's income and help his son, who is growing and will need it for his education.

Translated from Spanish by Libertad Leal, Kiva volunteer.

Francisco habita en el barrio Hialeah IV etapa, desde niño ha habitado en ese barrio con su familia, es casado y tiene un hijo de 6 años de edad, su esposa se llama Fabiola Marenco y es ama de casa, ella está pensando en la idea de buscar trabajo para apoyar a su marido en los gastos del hogar. Francisco es conductor y tiene cinco años de experiencia en esta actividad, el dinero que está solicitando es para hacer mejoras en su casa en la compra de cerámica para ponerla en la sala. Tiene una camioneta que está en mal estado, espera poder repararla, y empezar un negocio de acarreo para tener más ingresos para su familia. Su hijo está creciendo y los gastos de estudios están aumentando.

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
  • 51
    View loans »
    Nicaragua Loans Fundraising
  • $26,297,675
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Francisco Xavier to purchase ceramic tile for his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Oct 15, 2009