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Ramiro José
Ramiro José was born and brought up in the district of El Sauce. He comes from a poor but humble, honourable and hard-working family.

Since he was young, he has been a primary school teacher as he loves teaching the children who are Nicaragua's future how to read and write.

At the moment he works in a neighbouring region which is 5km away so he goes by bike each day so that he arrives at the school on time. The majority of the children are from poor backgrounds who often don't even have enough to buy an exercise book.

He also notes that it makes him sad to see children from the countryside who want to study but who don't because of their circumstances.

He tries to do his best both as a father and son. He is requesting finance to buy medicine and have some medical tests done for his mother who hasn't been well recently.

He would like the Kiva investors to help him through Ceprodel so that his mum improves as he isn't able to meet these needs with his low salary.
View original language description ↓
Ramiro José es nacido y criado en el municipio de El Sauce con buenas costumbres, proveniente de una familia muy pobre, pero sí humilde, honrada y trabajadora.

Se dedicó desde muy joven a ofrecer sus servicios como profesor de primaria ya que le gusta enseñar a leer y escribir a los niños que son el futuro de Nicaragua.

Actualmente trabaja en una comarca aledaña al municipio a 5 km de distancia el cual viaja en bicicleta a diario para estar puntual en la escuela donde la mayoría de los niños son de escasos recursos que muchas veces no tienen ni para un cuaderno.

Cabe señalar que le entristece ver a estos niños que tienen la voluntad de aprender a pesar de ser del campo pero muchas veces por las circunstancias de la vida no lo hacen.

Como padre e hijo trata de dar lo mejor y en este momento está solicitando un financiamiento para comprar medicina y realizarle unos exámenes médicos a su mamá que últimamente ha estado mal de salud.

Pide a los inversionistas Kiva que le financien este crédito a través de Ceprodel para que su mamá mejore, ya que con su bajo salario muchas veces no puede cubrir algunas necesidades.

Additional Information

About CEPRODEL

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

  • $3,636
    Average annual income
  • 90
    View loans »
    Nicaragua Loans Fundraising
  • $24,384,075
    Funds lent in using Kiva
  • 24.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Ramiro José to buy medicine and have some medical tests done.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 21, 2013
Listed
Feb 27, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 21, 2013