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Efrain Ernesto
Efraín Ernesto M. is 55 years old and lives in the community of Merdardo Andino, located in the town of Ticuantepe, along with his wife who works as a trader to help him with the water, light and food bills. They have three children who are all married and independent. Currently, they have a 20 year old granddaughter in their care. Their plans for their family are to improve their living conditions since, in the house that they live, half is wood and the other part is blocks and the wood is old. They fear that burglars will rob the few things that they have worked hard to buy. For fourty years, Efraín has been dedicated to agricultural work which he inherited from his mother and has worked on his own and managed to improve thanks to Afodenic. He will invest his eighth loan in the purchase of fertilizers to improve production. He hopes to obtain a good harvet and be able to sell at a good price in the market which stocks his necessities.
View original language description ↓
El señor Efraín Ernesto M., tiene la edad de 55 años, habita en la comunidad Medardo Andino , ubicado en el municipio de Ticuantepe , junto a su esposa , la cual trabaja como comerciante para apoyarlo con los gastos del agua, luz y los alimentos que hagan falta , ellos tienen tres hijos , ya todos casado e independientes , actualmente tienen a su cargo una nieta de 20 años , los planes hacia su familia es mejorar las condiciones del hogar ya que en casa que habita la mitad es de madera y la otra parte de bloques y ya la madera esta vieja y teme que los delincuente hurten sus pocas cosa que con mucho esfuerzo a comprado, don Efraín desde cuarenta años se dedica a los trabajos agrícolas ya que su mamá , le heredo para que trabaje por si solo y lograra mejorar agradece a Afodenic por su octavo crédito ya que invertirá en comprar fertilizantes para mejorar la producción lo cual espera obtener una buena cosecha y poder vender a buen precio en el M. lo cual surtirá sus necesidades.

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
  • 105
    View loans »
    Nicaragua Loans Fundraising
  • $24,828,400
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Efrain Ernesto purchase fertilizers for a good harvest.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Oct 29, 2009
Nov 1, 2009
Currency Exchange Loss:
Aug 15, 2010