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Francisco Wilberto
Francisco Wilberto L. H. is married, and lives with his wife in the Medardo Andino neighborhood. His wife works as a janitor, helping out with the household expenses. They have 3 adolescent children who are in secondary school. Don Francisco works as a security guard. They are a family of limited means that aspires to open a grocery store and improve the infrastructure of their home.

With the support of Kiva, Señor L. hopes to improve the conditions in which the family currently lives. For this reason he requests this loan to repair their dwelling. The walls and roof are deteriorated such that they threaten the security of the members of the family. With the loan he hopes to buy construction materials and also add another room, in order to improve the comfort and conditions of the home that they live in. They need this support quickly, since the season of rain and strong winds is approaching, which would further weaken the stability of the infrastructure of their home.
View original language description ↓

Francisco Wilberto L. H., es casado y con su mujer habita en el barrio Medardo Andino, su esposa se desempeña como conserje, apoyando con sus ingresos a la economía del hogar, ellos tienen 3 hijos adolecentes que cursan la escuela secundaria, Don Francisco se desempeña como Guarda de Seguridad, ellos son una familia de recursos limitados que ambicionan con la apertura de una pulpería y la mejora de la infraestructura del hogar.

Con el apoyo de Kiva el Señor L., espera mejorar las condiciones en las que su familia actualmente habita, razon por la cual solicita este prestamo para las reparaciones de la habitación donde moran, las paredes y el techo presentan una decadencia que amenaza la seguridad e los miembros de la familia, con el préstamo desea comprar los materiales de construcción y así mismo construir una habitación màs, con el fin para mejorar las comodidades y condiciones en las que habitan, este apoyo les apura puesto que se acercan las temporadas de lluvias y vientos fuertes que debilitan aun más la estabilidad en la infraestructura del 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 21.2
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Francisco Wilberto to buy sheets of metal for roofing and cement.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 30, 2010
May 19, 2010
Currency Exchange Loss:
Mar 15, 2011