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Don Santos is 37 years old and is originally from the community of La Borgoña - Ticuantepe. He produces pineapples and has been in this industry for 15 years. This has allowed him to maintain the life of his wife and two children who are studying in primary and grade school. His wife supports the family by helping out with household tasks, takes care of the kids and vends his products in different stores with her husband. He dedicates as much time in the production of the product. The manufacturing requires much investment at high costs. These investments include organic chemicals for the soil and plantations. Sometimes he also does other activities like bricklaying in order to gain extra income so he can pay off other expenses like daily diets, educating his kids and pay for basic services. In these times, he needs to buy fertilizer to help him develop his pineapples and his crop to be successful.

This story has been translated from Spanish to English by Nikita Ramchandani, KIVA Volunteer.

Don Santos tiene 37 años, es originario de la comunidad de La Borgoña - Ticuantepe, se dedica a producir piña, posee 15 años de dedicarse a esta actividad, la cual le ha permitido mantener a su esposa y sus 2 hijos, quienes se encuentran estudiando en primaria y secundaria, la esposa lo apoya realizando los quehaceres del hogar, cuidando de los niños y comercializa el producto en los diferentes mercados con su esposo. El señor le dedica el mayor tiempo posible al mantenimiento de la producción, el cual conlleva un proceso artesanal manufacturero que requiere de mucha inversión debido a los altos costos de los productos y químicos orgánicos que requiere el suelo y las plantaciones. En ocasiones el señor realiza otras actividades como albañilería, con el objetivo de percibir ingresos extras que le permitan subsanar todos los gastos como la alimentación diaria, educación de los hijos y pago de servicios básicos. En estos momentos el señor necesita comprar fertilizantes para que le ayude al desarrollo de las piñas y su cosecha sea todo un éxito.

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
  • 101
    View loans »
    Nicaragua Loans Fundraising
  • $24,738,450
    Funds lent in using Kiva
  • 19.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Miguel to buy fertilizer chemicals and herbicides.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2008
Mar 3, 2008
Currency Exchange Loss:
Apr 15, 2009