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Margarita De Los Santos
Margarita is 40 years old. She comes from a farming family which grows pineapples and dragonfruit. Her husband works as a bus driver, that way they both help each other to bring up their 3 children who can still not provide for themselves. Her biggest dream is that her children finish school.

For this reason, Margarita is asking for her tenth loan to grow agronomic crops, for which she will buy fertilizer, urea and insecticide. This is because of problems she has had with plagues, which as a consequence raise the cost of the fruit. Her objective with this loan, therefore, is to increase the extension of land cultivated to reach her goal of giving her children a good education and a decent roof over their heads.
View original language description ↓
Doña Margarita de 40 años, de familia agricultora dedicada al cultivo de piña y pitahaya, su esposo trabaja como conductor de buses, de esa manera los dos se apoyan para sacar adelante a sus 3 hijos que todavía no se pueden valer por sí solos y su mayor sueño es que puedan culminar sus estudios superiores. Por tal motivo solicita su decimo crédito para darle manejo agronómico a sus siembras, para ello comprara abono, urea e insecticida, debido a los problemas de plagas que se le ha presentado y como consecuencia se elevan los costos de las frutas, por lo tanto con este préstamo su objetivo es seguir aumentando manzanas de cultivos para así poder lograr su meta que es brindarles una buena educación y techo digno a sus hijos con los ingresos.

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

  • $3,636
    Average annual income
  • 124
    View loans »
    Nicaragua Loans Fundraising
  • $24,036,450
    Funds lent in using Kiva
  • 23.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Margarita De Los Santos to buy fertilizer, urea and insecticide.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
At end of term
Sep 7, 2012
Nov 1, 2012
Currency Exchange Loss:
Apr 16, 2014