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Ramon Alejandro
Ramón Alejandro V. lives in a community called San Pedro. His property has 12 “manzanas” (1 manzana = 1.68 acres), and he uses different areas for different activities. He uses two manzanas to grow basic grains (beans and corn) and ten manzanas to raise livestock. He plants basic consumable grains like beans and corn and raises cattle. That is the reason for the loan. He will buy two small bulls to raise until they gain more weight. He will then sell them for a better price than what he paid for them.

This client set up and started his work activity with an inheritance of five manzanas of property that his parents gave him. He started to grow basic grains like beans and corn on that property only during the winter season. Since he was 13 he has always done this field work. He did this with his wife’s help; she helps with other important activities in their house. An example of a normal work day is for both of them to get up very early to prepare the tools he will take to the field. His wife prepares the food he will take to his work. This way they both support and help each other in their work.

He currently continues with his agricultural and livestock activities. He hopes to continue improving his work activity in order to be able to increase his operation all of the time. In the winter season his primary source or way of working is farming. In the summer he gets an alternative source of income from raising livestock. This allows him to improve his income.

This is Ramón Alejandro V.’s first year of working with Ceprodel, and it is his first loan. The impact and benefit that he expects for his family and himself is positive. With this other alternative he will be able to get other income that will allow him to improve his work activities and his living conditions.
View original language description ↓
El señor Ramón Alejandro V., vive en una comunidad de nombre san Pedro, su propiedad tiene 12 manzanas de extensión con diferentes tipos de aéreas para explotación para trabajos, tiene 2 manzanas que las utiliza para cultivar granos básicos (frijol y maíz), 10 manzanas apta para el cuido y manejo de ganado, el se dedica a la siembra de granos básicos de consumo como cultivo de frijol y maíz y al manejo de ganado. La razón para la cual utilizara este financiamiento. Es para comprar 2 toretes para desarrollo los que cuidara hasta que estos adquieran un mayor peso y después los venderá a un mejor precio del que adquirió. Este cliente inicio o comenzó su actividad de trabajo con una herencia de una propiedad de 5 manzanas que le dieron sus padres y ahí comenzó a cultivar granos básicos frijol y maíz, únicamente en épocas de invierno, todo el tiempo desde la edad de 13 años el siempre se ha dedicado a estas actividades de trabajo de campo, esto lo hacía con ayuda de su esposa quien le apoya a realizar otras actividades importantes en el hogar, ejemplo en un dio normal de trabajo ambos se levantan temprano el a preparar las herramientas que llevara al campo y su esposa a preparar los alimentos que el llevara a su trabajo, de esta forma ambos se apoyan y ayudan para poder realizar sus actividades de trabajo. Actualmente continua en esta actividades de agrícolas y ganaderas, con esto el espera seguir mejorando su actividad de trabajo y poder aumentar más su operatividad en todo tiempo ya que su principal fuente o forma de trabajo es la agricultura en épocas de invierno y en verano con esto del manejo de ganado el obtendrá otra alternativa o fuente que le genere ingresos, con esta otra alternativa le permitirá mejorar sus ingresos. Para Don Ramón Alejandro V., este es el primer año de trabajar con Ceprodel y su primer crédito. El impacto y beneficios que espera tener para él y su familia es de una forma positiva ya que con esta otra alternativa el podrá obtener otros ingresos que le permitirán mejorar su actividades de trabajo y nivel de vida.

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

  • $4,800
    Average annual income
  • 132
    View loans »
    Nicaragua Loans Fundraising
  • $24,576,775
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ramon Alejandro buy two small bulls.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Feb 4, 2010
Listed
Feb 10, 2010
Currency Exchange Loss:
Covered
Ended:
Nov 15, 2010