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Julián O. M. is 48 years old and lives with his wife, who works and helps him cover household expenses, in the San José Los Rios neighbourhood located in the municipality of Ticuantepe. They have three adolescent children who attend school and work in their free time. He plans to improve his family’s living conditions.

Julián has worked in agriculture for 20 years. He started out with the help of agrarian reform. He plans to diversify his crops.

With this loan, he will purchase fertilsers and supplies to produce a good yield to sell at a good price in the market. He thanks AFODENIC for making these beneficial improvements on his farm possible.
View original language description ↓
El señor Julián O. M., tiene la edad de 48 años, habita en el barrio San José Los Ríos, ubicado en el municipio de Ticuantepe , junto a su esposa la cual trabaja y le apoya con los gastos del hogar , ellos tiene tres hijos , todos adolescentes , los cuales estudian y trabajan con el en sus tiempos libres , los planes hacia su familia es mejorar las condiciones de vida , desde hace 20 años , don Julián se dedica a la agricultura, el inicio esta actividad con ayuda de la reforma agraria , los planes hacia su cultivo es diversificarlo . Con el préstamo va a comprar fertilizantes e insumos y poder tener una buena producción para vender a buen precio al M.. Da las gracias a la institución por hacer posible las mejoras a sus cultivo lo que lograra buenos beneficios.

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
  • 110
    View loans »
    Nicaragua Loans Fundraising
  • $24,832,275
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Julián purchase farm supplies and fertiliser.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
At end of term
Jul 6, 2009
Jul 18, 2009
Currency Exchange Loss:
Nov 15, 2010