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Ulises  Francisco
Ulises M. is 36, married, and he lives in the Los Cedros region of the Villa del Carmen community. His wife is a teacher. They have four children; ages 10, 7, 4, and 6 months.

The short-term plan is to improve the infrastructure of his house. The long-term plan is for his children to have the best education.

He works in the mayor’s office in Villa del Carmen. He has been the Director of Civilian Records for six months. He previously worked in property management as an analyst.

He has land that he would like to cultivate, but he has money problems. They do not lend him the amount he needs to invest in his land. His work has increased very little.

Thanks to a loan from Afodenic, he will be able to plant in the areas that he had not covered with the purchase of seeds and manure. He has two plots of land, and only one of them is planted with corn. With the loan, he will be able to plant wheat. He will then get greater use and earnings for his family.
View original language description ↓
El señor Ulises M. de 36 años de edad, reside en la comarca los cedros de la comunidad de Villa del Carmen, casado, su esposa es maestra tiene cuatros hijos de 10, 7,4 y 6 meses. Los planes a corto plazo es mejora la infraestructura de su vivienda y a largo plazo que sus hijos tenga los mejores estudios. Trabaja en la alcaldía de Villa del Carmen con el cargo de Director de Registro Civil desde hace seis meses, anteriormente trabajaba en la intendencia de la propiedad como analista castratal. Tiene terrenos en dónde quiere cultivar pero por dificultades de efectivo que no le prestan las cantidades necesaria para la inversión en las tierras el aumento en su trabajo ha sido poco. Gracias al préstamo en Afodenic lograra sembrar en las arias que no había abarcado con la compras de semillas y abonos. Son dos manzanas de tierra de ella solo una manzana esta cultivada de maíz. Con el préstamo lograra cultivar trigo. Obteniendo mayores utilidades y ganancias para su 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
  • 68
    View loans »
    Nicaragua Loans Fundraising
  • $25,383,750
    Funds lent in using Kiva
  • 20.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ulises Francisco buy seeds, fertilizers, and manure to start planting.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 10, 2009
Aug 3, 2009
Currency Exchange Loss:
Feb 15, 2011