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Jose Ariel
Jose lives in a Condega neighborhood. He is a farmer and grows basic grains such as beans and corn. He also grows potatoes and manages a small amount of livestock. He will use the money from this loan to buy seeds so he can grow more potatoes. He would like to plant this type of crop so that he can diversify his farming and create another source of income. He began his business by renting land to grow only the basic grains, beans and corn. Now he has his own land where he grows beans, corn, and other vegetables.

Jose works his own land and during the winter he plants 200 sq. meters of beans and 200 sq. meters of corn. During the summer he grows potatoes by using a gravity irrigation system. He started farming on his parents’ land when he was 12 years old. Then and now he has been a dedicated farmer.

Jose is married and has two minor children, one of whom is school aged. With these activities, he hopes to produce more and better harvests year round, and improve his income for himself and his family.

Jose has had five loans since 2006 and had been working with Ceprodel for the past five years.

The impact from the loans that Ceprodel has helped him obtain has been important and have allowed him to improve his work activities and his home, improving his family’s living conditions and improving his income and lot in life.
View original language description ↓
El señor José Ariel V. S., es un productor que vive en una comunidad de Condega, su negocio o actividad de trabajo es la agricultura, siembra granos básicos frijol y maíz también hortaliza en el cultivo de la papa y también al manejo de ganado para desarrollo como pequeño productor. El crédito lo utilizara para comprar semilla para cultivo de la papa, el quiere sembrar este tipo de cultivo para diversificar su actividad de trabajo agrícola para tener otra fuente de ingresos. El comenzó su negocio alquilando terreno para sembrar únicamente granos básicos frijol y maíz, actualmente el tiene ya su propio terreno donde siembra frijol, maíz y hortaliza. Don José Ariel realiza sus trabajo de campo en su propio terreno donde él en épocas de invierno siembra 2 manzanas de frijol y 2 manzanas de maíz y en época de verano el cultiva hortaliza (papa) con sistema de riego por gravedad. El antes de tener su propio terreno y actividad de trabajo él se dedicaba a esta actividad de trabajo agrícola desde la edad de 12 años en la propiedad de sus padres, el antes y ahora se ha dedicado a la actividad de trabajo de campo como lo es la agricultura. Don José Ariel es casado y tiene una esposa y dos hijos menores de edad uno de ellos en edad escolar, con esta actividades de trabajo el espera producir más y mejor y tener todo el año una operatividad permanente y de esa forma tener mayores ingresos para él y su familia.
Don José Ariel, ha tenido 5 créditos desde el año 2006 lleva 5 años de trabajar con Ceprodel.
El impacto y beneficios que ha tenido con los financiamientos que Ceprodel le ha otorgado es bastante importante ya que le permitieron mejorar sus actividades de trabajo dándole como resultado mejorar su casa de habitación y a la vez poder darles mejores condiciones de vida a su familia e tener e ir mejorando su nivel de vida teniendo meyores ingresos.

Additional Information

About CEPRODEL

This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $3,636
    Average annual income
  • 115
    View loans »
    Nicaragua Loans Fundraising
  • $23,737,400
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Jose Ariel invest in agricultural supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Feb 4, 2010
Listed
Feb 10, 2010
Currency Exchange Loss:
Covered
Ended:
Mar 15, 2011