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Hector Ramon
Mr. Hector Ramòn is 44 years old, married, and has two sons. The oldest is 16 years old and is in his fifth year of secondary school. The younger son just turned two years old.

He has worked for the Formunica company for two years as a sales executive. His wife, Mrs. Gloria Gutierrez, has worked as a teacher in the Mauricio Cajina school for 22 years. They both help with the expenses of the home and are a very united family. He is asking the Institution for his first loan to be able to build a bedroom for his older son to provide him greater comfort and privacy. Hecor's dream is to have a better future for his sons and to be approved of by God and his family.

View original language description ↓
Don Hector Ramòn de 44 años de edad es casado, tiene dos hijos el mayor de 16 años esta estudiando su quinto año de secundaria, el menor acaba de cumplir dos añitos de edad, trabaja en la empresa Formunica desde hace 2 años como ejecutivo de ventas, su esposa la Sra. Gloria Gutierrez, labora como docente en la Escuela Mauricio Cajina desde hace 22 años, ambos comparten los gastos familiares del hogar y los compromisos adquiridos ya que son una familia bien unida, està solicitando su primer crèdito a la Instituciòn, para poder construir una habitaciòn para su hijo mayor y brindarle mayor comodidad y privacidad, el sueño de Hector es tener un porvenir mejor para sus hijos y cada dia que pasa estar bien con Dios y la Familia.

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 Nicaragua

  • $4,800
    Average annual income
  • 70
    View loans »
    Nicaragua Loans Fundraising
  • $25,754,375
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Hector Ramon to build a bedroom.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 6, 2010
Feb 15, 2010
Currency Exchange Loss:
Jun 15, 2011