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Fredis Osmar
Fredis Osmar lives in the community of La Guaruma in the municipality of San Juan de Limay, with his wife and four children he needs to support providing then with schooling. He’s a farmer by profession; he grows basic grains, raises dairy cattle and pastures calves.

Fredis is known as a hardworking, enterprising person. He has more than 15 years’ experience in these lines of work; he works alongside his family in his farm which is highly productive. He wants to make good use of it exploiting one of the best lines of work which is raising cattle.

He’s requesting a loan to buy a pregnant cow and a calf to fatten up. His project is to fatten up the calf in order to sell it to repay the loan and the pregnant cow would be his profit. He states that his greatest objective is to increase his herd size with pregnant cows and to sell dairy products throughout the year and to make his farm more productive so his income will improve and as a result so will his family’s standard of living.
View original language description ↓
En el municipio de san Juan de Limay, comunidad la guaruma vive Fredis Osmar con su esposa y 4 hijos al que tiene el deber de mantener y darles sus estudios, de profesión, agricultor, en granos básicos y ganadero en ganado de leche y repasto de novillos.

Don Fredis conocido como una persona honesta y emprendedora, tiene más de 15 años de experiencia y trabajar estos rubros, trabaja junto con su familia en su finca que es alta mente productiva y quiere sacarle un buen provecho explotándola en uno de los mejores rubros de la zona como es el ganado.

solicitando un crédito, para la compra de una vaca parida y un novillo de engorde,su proyección es engordar el novillo y venderlo para pagar el crédito y dejar como ganancia la compra de la vaca parida.

Manifiesta que su mayor objetivo es aumentar su hato ganadero con vacas paridas y vender lácteos toda la época del año y hacer de su finca una área más productiva, que le ayudarán a mejorar sus ingresos y por ende el nivel de vida familiar

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $25,032,475
    Funds lent in using Kiva
  • 24.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $650 helped Fredis Osmar to buy a pregnant cow and a calf to raise.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 18, 2013
Currency Exchange Loss:
Feb 17, 2014