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Update on Hector

Mr. Héctor is married and has two children. His wife is a housewife and the family depends on his support, since he is the only one that has a paid job. He pays for the home expenses and the children’s education, and has been working as a cleaner for many years.

Héctor is requesting a loan to build an additional room, which will become his living room. The kitchen and the living room are today located in the same room, which is uncomfortable for him and his family. He will also build a wall to separate his house from the neighbors’, since they share a wall. This will improve his privacy.
View original language description ↓
El sr. Héctor, es casado su esposa es ama de casa, tienen dos hijos y toda su familia dependen de él ya que solamente él trabaja y asegura la manutención del hogar como los gastos del colegio de los niños con su trabajo como operario de limpieza desde hace muchos años. Solicita el crédito para la construcción de un anexo el cual destinara para sala ya que actualmente ocupa una sola área para sala y cocina lo que es una situación muy incómoda para él y su familia, así como también construirá una pared ya que está pegado del muro de otra casa vecina y necesita independizarse.

Previous Loan Details

Hector, 39, is married and has been working in public sanitation for the municipality of Juigalpa for 19 years. He is requesting his 4th loan, with the objective of adding a room to his house. In this way, he can provide better living conditions for his family. He dreams of being able to have ... More from Hector's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 61
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $825 helped Hector to buy cement, sand, bricks, iron and gravel.
100% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
Mar 23, 2013
Apr 23, 2013
Currency Exchange Loss:
Jun 17, 2014