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Bernardo De La Cruz
Bernardo, 41, is single living in Comarca San Luis with his mother who helps him do the work on his parcel of land. He carries out animal husbandry work managing his small herd of cattle and also does agricultural work growing basic grains and tubers, activities that have become his main source of income for his family’s wellbeing.

He needs this financing to invest into a manzana [Central American unit of land measurement] of manioc. He will be able to prepare the soil, apply fertilizing manure thus guaranteeing a larger crop yield and higher income to improve his quality of life. His greatest goal is to continue to work to generate higher income and be able to give his family the best that way.
View original language description ↓
Don Bernardo, de 41 años de edad, es soltero, habitante de Comarca San Luis, vive con su mama quien le ayuda a realizar los trabajos en su unidad de produccion, en la que realiza actividades pecuarias y maneja su pequeño inventario ganadero; tambien actividades agricolas establecimiento de cultivos de granos basicos, tuberculos, actividades que se convierten en su principal fuente de ingreso para el bienestar de su familia. Nesecita este financiamiento para invertirlo en establecimiento de 1 manzana de yuca, permitiendole realizar una buena preparacion de suelo, aplicacion de abonos fertilizantes, por lo tanto esto le garantizara una mayor produccion del cultivo y mayores ingresos para mejorar su calidad de vida. Su mayor proposito es continuar trabajando para generar mayores ingresos y asi darle lo mejor a su familia.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,049,000
    Funds lent in using Kiva
  • 23.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Bernardo De La Cruz to buy farm supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jul 30, 2012
Sep 3, 2012
Currency Exchange Loss:
Aug 18, 2013