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Hector Ruben
Young Héctor Rubén is a laborer who resides in the city of Condega, a town located 35 kilometers north of the city of Estelí. He is happily married to a young lady who is the owner and shopkeeper of a store offering clothing of all styles, and for the moment does not have any children. Héctor resides with his wife in their own home, which they are improving daily.

This young man works daily in a factory in Condega, developing tobacco-based cigars. He works from Monday to Friday from 7 a.m. to 5 p.m. and half the day on Saturday. This is his primary source of income to support his family.

This young man turned up at the Ceprodel offices with the purpose of requesting financing in order to make improvements to his home. These improvements consist of the building of the bathroom and its shower.

He says that being approved for financing would be an achievement since it would give him better home conditions and in that way would also improve his life conditions and he would have a more dignified home.
View original language description ↓
El joven Héctor Rubén es un obrero que reside en la ciudad de Condega un pueblo ubicado a unos 35 km al norte de la ciudad de Estelí. Está felizmente casado con una jovencita que es propietaria y dependiente de una tienda que ofrece ropa de todos los estilos y por el momento no tiene hijo. Héctor junto a su esposa reside en su propia casa de habitación la que están mejorando a diario

Este joven trabaja a diario labora en una fabrica de Condega, en la elaboración de puros a base de tabaco, labora de lunes a viernes desde las 7 am hasta las 5 pm y los días sábado labora medio día. Esta es su principal fuente de ingreso para el sustento de su familia.

Este joven se presento a las oficinas de Ceprodel con el fin de solicitar un financiamiento para realizarle una mejora a su casa de habitación.

Dicha mejora consiste en la construcción de el servicio sanitario y su ducha.
El cliente dice que de ser aprobado este financiamiento seria un logro ya que le daría una mejor condición a su casa de habitación y de esta manera también mejoraría sus condiciones de vida y tener un hogar mas digno.

Additional Information

More information about this loan

This loan is part of CEPRODEL's initiative to expand access to sanitation facilities. Working with the World Bank and local governments, CEPRODEL offers these loans to help clients buy environmentally-responsible toilets, sinks, and shower/bath systems. Eligible recipients include clients and families who live in very poor regions of Nicaragua, lack access to water, or are employed making handicrafts or as roving salespeople. Along with these loans, clients receive environmental education training from the World Bank to better understand how plumbing interacts with the local ecosystem. By supporting this loan, you are making a difference in a country where 48% of the population lacks access to proper sanitation.


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

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
  • 91
    View loans »
    Nicaragua Loans Fundraising
  • $25,011,000
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Hector Ruben to buy construction materials such as cement, bricks, etc. and to pay for labor for the construction of the bathroom.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Apr 22, 2013
May 8, 2013
Currency Exchange Loss:
Oct 26, 2014