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Edwin Ramón
Edwin is a young man who is 23 years of age and married. He lives in the subdivision of Jerusalen where he works as a farmer and rancher. Edwin has engaged in farm work from a very young age. The land on which he produces was passed on to him by his parents, who taught him how to earn a living and become self-sufficient. Edwin generates his income from selling milk and cattle. He is a responsible young man who comes from a well-known and respectable family in the area.

Edwin is requesting his first loan so that he can buy the construction materials that he needs to improve his home. He plans to add a room so that his small family can be more comfortable. His greatest wishes for his family are to see them not lacking in their basic needs and to make gradual improvements to both his farm and his home.

View original language description ↓
El joven Edwin de 23 años, casado, Habita en la Colonia Jerusalen, Ganadero y Agricultor, desde muy pequeño se ha dedicado a realizar los trabajos de campos en su unidad de produccion que heredo de sus padres quienes le han enseñado a ganarse la vida por si solos, él obtiene sus ingresos de la comercializacion de leche y venta de Ganado. Es un joven responsable, de buena familia muy reconocida en la zona y de buenas costumbres.
Solicita su primer crédito para compra de Materiales de construccion ya que necesita hacerle mejoras a su vivienda como es la construccion de un cuarto y de esta manera darle mejor comodidad a su pequeña familia.

Su mayor sueño es que a su familia no les falte el pan de cada dia e ir acondicionando mejor su finca y vivienda poco a poco.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Nicaragua

  • $4,800
    Average annual income
  • 77
    View loans »
    Nicaragua Loans Fundraising
  • $25,406,150
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Edwin Ramón to buy construction materials in order to build a bedroom.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 30, 2012
Sep 4, 2012
Currency Exchange Loss:
Aug 18, 2013