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Valeria is a small cattle rancher who lives in the Nueva Guinea municipality in the rural community of Villa Alvarez. She lives with her husband and son. They work the land together as a family. Valeria has worked in this activity since she was a little girl. Her parents taught her how to take care of the cattle and to farm. With this experience she has been able to have her own herd of livestock.

She is requesting her fifth loan with the AFODENIC institution. She will buy a calf to raise and fatten. Later she will sell it for a fair price so that she can get greater income. This is the way to strengthen her herd of cattle and improve the quality of life for her family.

Valeria’s greatest desire is to increase her herd. That way she will get ahead with other income in order to have a just and humane life.
View original language description ↓
Valeria es pequeña productora que habita en el municipio de Nueva Guinea en la comarca Villa Alvarez junto a su esposo y su hijo, quienes trabajan como familia en las actividades del campo. Valeria desde muy pequeña ha trabajado en esta actividad ya que sus padres le enseñaron como cuidar del ganado y la agricultura, y con esta experiencia ha podido tener su propio inventario ganadero.

Esta solicitando su 5to crédito a la institución de AFODENIC para compra de ternero desarrollo, para engordarlos y posteriormente comercializarlos a un precio justo en el que pueda recibir mayor ganancia, y de esta manera fortalecer su inventario ganadero, y mejorar la calidad de vida del núcleo familiar.

El mayor anhelo de Valeria es de aumentar su inventario ganadero, así salir adelante con otros ingresos, para tener un vida justa y humana.

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
  • 66
    View loans »
    Nicaragua Loans Fundraising
  • $25,083,125
    Funds lent in using Kiva
  • 21.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Valeria buy a calf.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
At end of term
May 18, 2010
Jul 1, 2010
Currency Exchange Loss:
Sep 15, 2011