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Humberto is a plumber by profession and has worked for over 27 years in the same company. This economic stability has provided quality of life for his family.

He also receives economic support from his wife who is a merchant and both support their three children who are students. With loans from Afodenic he has been able to make home improvements. During those three loan terms he was able to change the roof and carry out other modifications. With the new loan he plans to repair the inside walls of the house to improve its infrastructure. He will buy blocks, sand, cement, and iron to begin construction.
View original language description ↓
Humberto de profesión fontanero con más de veintisiete años laborando para la misma empresa, el cual ha logrado estabilidad laborar como económica para el bienestar común de la familia.
Hoy en día cuenta con el apoyo económico de su señora esposa ya que es comerciante y ambos apoyan a sus tres hijos, todos estudiantes.
Logro mejoras a su vivienda con financiamiento en Afodenic en donde lleva tres ciclos lo cual ha cambiado techo, y otros cambios. Hoy con este nuevo préstamo reparara paredes interna de la vivienda para una mejor construcción de infraestructura. Comprando: bloques, arena, cemento, hierro para comenzar la obra.

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
  • 85
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Humberto to buy construction materials to repair the inside walls of his house.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 30, 2011
May 17, 2011
Currency Exchange Loss:
Feb 15, 2012