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Ricardo Julian
Ricardo, 39, is married and has two underage children, who are 12 and 6 years old. He is originally from León, which is located in Western Nicaragua. Ricardo is a responsible and hardworking man, who wants to improve and progress. With effort, he received a university degree and is now struggling to start his own clinical laboratory, with the intention to give his children a better future.

Thanks to his hard work and will to succeed, he has worked with laboratory tests for six years in a lab located where he lives. Ricardo works around ten hours every day in his lab, performing all kinds of tests. With this loan, he wants to invest in working capital and stock his lab with the materials needed to perform different tests: reactive and diagnostic triglycerides tests, anti A and anti D tests, creatinine, glucose and RPR latex tests. His goal is to increase his income in the short term.

Ricardo Julián wants to thank Kiva lenders for the help they give to people with fewer resources in poor countries like Nicaragua, to have a decent work.
View original language description ↓
Ricardo Julián, de 39 años de edad, casado con dos hijos, menores de edad de 12,6 años. Es originario de León, lugar que está ubicado en la zona de occidente del país. Él es un hombre responsable, trabajador con ganas de superación personal, que con mucho esfuerzo pudo sacar su carrera universitaria y en la actualidad está luchando para poner su laboratorio clínico. Para brindarles un futuro mejor a sus hijos.

Gracias a su esfuerzo y sus ganas de salir adelante, tiene por actividad económica el servicio de laboratorio clínico, desde hace 6 años, ubicado en un lugar específico de la localidad. El dedica unas 10 horas diarias a su laboratorio, elaborando todo tipo de exámenes. El objetivo del crédito es invertir en capital de trabajo y surtir y comprar materia prima para elaboración de prueba diagnóstica y reactiva triglicéridos, anti A, anti D, creatinina, glucosa, RPR látex. Con el objetivo de incrementar sus ingresos en un futuro no muy lejano. Ricardo Julián agradece la ayuda que los inversionistas kiva le brindan a personas de escasos recursos y países pobre como es Nicaragua para tener un medio de trabajo digno.

Additional Information

Fundación Leon 2000

This loan is administered by Fundación Leon 2000. Fundación Leon 2000 began operations in 1993 as the first microfinance institution to serve the western part of Nicaragua, a country which continues to be one of the poorest in the western hemisphere. Fundación Leon 2000 works to further the development of micro, small, and medium enterprises through credit services and management, applying the best credit industry practices and technical expertise. Additionally, Fundación Leon manages several business and financial education programs in the community, specifically for young entrepreneurs and at-risk youth. Fundación Leon 2000’s group of experienced and dedicated employees works in 7 offices in Leon, Chinandega, Chichigalpa, Somotillo, Jinotepe, El Sauce, and Nagarote and serves several thousand clients (the majority of whom are women).

About Nicaragua

  • $4,800
    Average annual income
  • 76
    View loans »
    Nicaragua Loans Fundraising
  • $25,418,800
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ricardo Julian to invest in working capital and buy materials needed to perform different laboratory tests.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2013
May 1, 2013
Currency Exchange Loss:
Mar 17, 2014