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Jose Andres

Update on Jose Andres

Don Jose, age 45, lives in the city of Granada. He is a merchant and sells cheese door-to-door; he has been doing this for two years. He sells his fresh cheese and flavourful cream to grocery stores and homes. Times have been tough but he has worked without tiring in order to get ahead with his business. He has made many sacrifices so that his family will not lack for anything and will have a better quality of life. He needs a second loan for the purchase of cheese and cream. This is his second loan; the first was very good for his business because he was able to improve his sales. He hopes that this second loan goes even better.
View original language description ↓
Don Jose, de 45 años quien habita en la ciudad de Granada , de oficio comerciante , se dedica a la venta de queso al detalle actividad que realiza de manera ambulante desde hace dos años. El vende a las pulperías, casas tocando puerta a puerta para ofrecer sus quesos frescos y sabrosa crema de leche aunque la lucha ha sido dura ha sido un guerrero incansable en su caminar para salir adelante con su negocio todo sacrificio para que a su familia no le falte nada y puedan vivir mejor. El requiere un segundo crédito para compra de queso y crema. Este es su segundo crédito pues el primero fue muy positivo para su negocio ya que logro mejorar sus ventas y espera que este segundo le vaya aun mejor.

Previous Loan Details

José is 45 years old. He is from the department of Granada, located 45 minutes from the capital city of Managua. He is a merchant and sells cheese. He is a married father of 2 children. He started to sell cheese in small quantities to specific customers to whom it became infeasible to sell becaus... More from Jose Andres's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 95
    View loans »
    Nicaragua Loans Fundraising
  • $24,742,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Jose Andres to buy cheese and cream.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Dec 14, 2011
Jan 1, 2012
Currency Exchange Loss:
Mar 15, 2012