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Humberto Jose
Humberto, age 39, is married to Alba Luna. She works and helps with the household expenses. They have two children. Alexis is 20, and she works and helps with the expenses. Lesbia is 6, and she is in first grade. For six years Humberto has worked as a transportation inspector for the Juigalpa municipal government.

He is requesting his sixth loan to improve his house by building a kitchen. The kitchen is now outside, and when it rains his wife gets wet cooking. That is why he wants to give his family better living conditions.

His greatest dream is to be able to see that his house is pretty and in the condition that his family deserves. He also wants his children go to school and become a great benefit to the country.
View original language description ↓
Humberto de 39 años de edad, es casado con la Sra. Alba Luna, quien trabaja y le apoya con los gastos del hogar, tienen 2 hijos: Alexis de 20 años que trabaja y apoya con los gastos y Lesbia de 6 añitos que esta en 1er grado de primaria. Don Humberto trabaja para la Alcaldia Muncipal de Juigalpa desde hace 6 años, desempeñandose como inspector de transporte.

Esta solicitando su 6to credito con el objetivo de mejorar su vivienda, construyendo la cocina, pues actualmente la tiene al aire libre, y con las lluvias a la hora de cocinar su esposa se moja y por eso quiere darle mayores condiciones a su familia.

El mayor sueño que tiene es poder ver su casa bonita y con las condiciones que su familia se merece, ademas desea que sus hijos estudien y sean personas de mucho provecho para el pais.

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
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 21.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Humberto Jose build a kitchen.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 27, 2010
Jun 8, 2010
Currency Exchange Loss:
Oct 15, 2011