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Enoe De La Concepcion
Enoe Hernández, 36, is a woman dedicated to farming. Her parents left her some fields in which she has cultivated pineapples since the soil is good. One of the difficulties she faces is not being able to transport her crops to market because the roads are in very poor state and moving crops to market is very problematic and expensive. She lives with her husband, who is a professor at an engineering university, and their two beautiful childen, who are elementary school students. Her plans are to improve her home and to support her children, who help her with production in their free time. With this loan she will buy raw materials and fertilizers to improve her pineapple crop so that she can sell at market for a better price and be able to repay her loan on time. She is happy that, thanks to the credit, she has been able to invest in production which is beneficial in order to feed her children and provide for the physical needs of her family.
View original language description ↓
Doña Enoe Hernández es una mujer dedicada a la agricultura, sus padres heredaron unas manzana de tierra lo cual se ha dedicado al cultivo de piña ya que estas tierra son buenas una de las dificultad que se le presenta es que cuando sale la producción no puede trasladarle al mercado ya que los caminos están muy deteriorado y le cuesta llevarla al mercado con mucho problemas y mas gastos. Tiene 36 años de edad, y vive junto con su esposo el cual trabaja como docente en una universidad de ingeniería. Con dos hermosos hijos que cursan su primaria. Sus planes es poder mejorar su casa, apoyar a sus hijos ya que en tiempos libre me ayudan a ver la producción. Con este préstamo comprara insumos y fertilizantes para mejorar la producción de piña y poder vender a mejor precio en el mercado y poder pagar en tiempo su préstamo ya que esta contenta por que a través del crédito ha logrado invertir en su producción lo que es beneficioso para poder dar la alimentación a sus hijos y poder saldar las necesidades física de 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
  • 81
    View loans »
    Nicaragua Loans Fundraising
  • $25,384,750
    Funds lent in using Kiva
  • 20.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Enoe De La Concepcion to buy raw materials and fertilizers for a better crop.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Oct 29, 2009
Nov 14, 2009
Currency Exchange Loss:
Dec 15, 2010