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Hector Javier
Mr. Héctor P. is 31 years old, and lives in the San Cayetano district in the municipality of Villa del Carmen, the department of Managua. He is married and his wife is a housewife. They have two children; one is 9 and one is two months. They live in their own home. He has worked for six months as an auto mechanic in the town of Villa del Carmen. Before this, he worked in a mechanical workshop.

Providing security for your family is a basic human need, but this has been difficult for him because of lack of finances. Thanks to a loan from AFODENIC, he will be able to buy construction materials like cement, windows, and flooring to construct an addition to his house and to be able to live in better conditions.

View original language description ↓
El señor Héctor P. tiene 31 años de edad, vive en la comarca de San Cayetano del municipio de Villa del Carmen, Departamento de Managua, casado su esposa ama de casa, tiene dos hijos de nueve años y dos meses, viven en casa propia, trabaja como mecánico automotriz en la Alcaldía de Villa del Carmen desde hace seis meses, anteriormente trabaja en un taller de mecánica. Como necesidad primordial es la seguridad de su familia, por lo cual se le ha presentado dificultades por falta de financiamiento. Gracias al préstamo en Afodenic lograra comprar materiales de construcción como: cemento, ventana, piso para la construcción de un anexo ala vivienda y poder estar en mejores condiciones.

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
  • 82
    View loans »
    Nicaragua Loans Fundraising
  • $25,447,400
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Hector Javier to buy construction materials to build a room.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jul 14, 2009
Aug 2, 2009
Currency Exchange Loss:
Nov 15, 2010