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José Humberto
Mr. José Humberto B. P. is 48 years old and lives in the San Caralampio La Concepción neighborhood with his wife, Angela Rosa Lopez, who is a produce vendor in the Mercado Oriental in Managua. With the profits earned from the business, she helps out José with the household expenses because they have 2 children in middle school—a 12-year-old girl and a 14-year-old boy. After getting home from school, the girl helps her mother with the household chores, while the boy accompanies his mother in search of the next day’s merchandise. They have been selling in this market for 4 years. Mr. B. has been working as a security guard at the Belén household, which is located on 10 ½ Masaya Highway, for 8 years. This family has a small plot of land that they cultivate in order to earn extra income. He is requesting this loan for home improvement because his roof is in disrepair, and everytime it rains, they have to place containers all over the house to collect the water so that it will not deteriorate the few things they have.
View original language description ↓
El señor José Humberto B. P. tiene la edad de 48 años habita en el barrio San Caralampio La Concepción , con su esposa Ángela Rosa Lopez, ella es comerciante vende frutas y verduras en el Mercado Oriental de Managua, con las ganancias del negocio ayuda a don José con los gastos de la casa ya que tienen a cargo 2 hijos que estudian en secundaria , una niña de 12 años y 1 niño de 14 años, estos pequeños después que salen de clase la niña le ayuda a la mamá con los quehaceres del hogar y el varón se va con ella a buscar mercadería para el siguiente día, tienen 4 años de vender en este mercado . Este señor labora como guarda de seguridad en el hogar Belén desde hace 8 años este hogar este ubicado en el 10 ½ carretera Masaya. Esta familia cuenta con una pequeña cantidad de tierra la que cultivan para obtener otros ingresos. El solicita el crédito para mejoras de su vivienda ya que el techo esta en muy malas condiciones y cada vez que llueve tienen que colocar muchos recipientes por toda la casa para que no se le deterioren las pocas cosas que con mucho esfuerzos han logrado

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
  • 69
    View loans »
    Nicaragua Loans Fundraising
  • $25,101,575
    Funds lent in using Kiva
  • 19.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped José Humberto repair home roof.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 23, 2008
Oct 8, 2008
Currency Exchange Loss:
Aug 15, 2009