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Ramon
Ramon is a farmer who has been doing this for more than 20 years. He lives in an area called El Paraisito, 12 km east of the town of Pueblo Nuevo, within the Esteli department. He is happily married and lives in a home of his own along with his wife and children.

This man has more than 20 years working in the farming trade and his main activity is raising basic grains such as corn and beans, which he sells to buyers who arrive in the city during the summer months. This client works daily on his land and produces basic grains during the winter months, which is his main source of income. He also raises cattle which also generates sustenance for his family.

This is the fourth time that this client has approached the Ceprodel offices to request a loan so he can buy the supplies he needs, such as compost and fertilizers, and also to prepare the land so he can plant the different crops that he harvests. The winter is approaching and he needs to be prepared.

He has shown gratitude for the previous loans. They have positively helped him because he has been able to tend to his crops, since his income is annual and the household needs money until he is able to sell his crops.
View original language description ↓
El señor Ramón es una agricultor que se dedica a esta actividad desde hace mas de veinte años y reside en una comarca llamada El Paraisito a unos 12 km al este del Municipio de Pueblo Nuevo, en el departamento de Estelí. El esta felizmente casado y reside en su propia casa de habitación junto a su esposa y uno de sus hijos

Este señor tiene mas de veinte años de trabajar en el ramo de la agricultura donde su principal actividad es la producción de granos básicos tales como es el maíz y frijoles el cual vende a compradores que llegan al sitio en época de verano. Este cliente a diario trabaja en su propiedad ya que en inviernos el produce granos básicos la cual es su principal fuente de ingreso y también se dedica a la crianza de ganado bovino el que le genera sustento a su familia también

Este cliente es la cuarta vez que se presenta a las oficinas de Ceprodel con el principal objetivo de solicitar un financiamiento para poder comprar los principales insumos como son los abonos y fertilizantes y también para preparar el terreno y así poder sembrar los distintos rubros que el cosecha ya que esta próxima la época de inviernos y tiene que estar preparado.

En los financiamiento anteriores este cliente se ha mostrado agradecido ya que le ha ayudado positivamente por que a podido asistir sus cultivo ya que sus ingresos son anuales hasta cuando realiza la venta de los granos el logra a percibir dinero.

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
  • 111
    View loans »
    Nicaragua Loans Fundraising
  • $23,723,925
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Ramon to buy supplies.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Apr 15, 2013
Listed
May 4, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 18, 2014