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Carlos Jose
Carlos José is 37 years old. He is a farmer who is happily married and has 2 children who are school age. He lives in a town called Rio Abajo, 8 kilometers northeast of the city of Condega, which is located 35 km north of Estelí, the capital of the department. He has been living at his address for 10 years and owns the house where he lives.

Carlos has been working in agriculture for more than 22 years. He farms vegetables such as tomatoes and sweet peppers, among others. He has a small piece of land where he plants his crops every year, since this is his only source of income for supporting his family.

He has come to the office of Ceprodel again with the goal of requesting a new loan to help with half a manzana [unit of measure for land] of sweet peppers that he will plant. He will buy inputs such as manure, fertilizers, and herbicides, among other things, that are essential for good production.

He is very grateful to Ceprodel for the financial support they have provided him because the results have been positive. Through the poverty reduction policies that Ceprodel manages for its borrowers, Carlos says that if he is approved for this loan, he could help out his crops and achieve a good production, which would mean a better quality of life for his family.
View original language description ↓
El señor Carlos José de 37 años es una agricultor que esta felizmente casado y tiene 2 hijos en edad escolar, el reside en una comunidad llamada Rio Abajo a unos 8 km al noroeste de la ciudad de Condega la cual esta ubicada a unos 35 km al norte de Estelí, la cabecera departamento. Este cliente tiene unos 10 años de residir en esa dirección y la casa donde vive es propia.

El señor Carlos se dedica a la labores agrícolas desde hace mas de 22 años y se dedica a la producción de hortalizas tales como tomate, chiltomas, entre otros. El tiene su pequeña unidad productiva donde siembra sus cultivos todos los años ya que es esta su única fuente de ingreso que el tiene para la mantención de su núcleo familiar

El se presento nuevamente a las oficinas de Ceprodel con el objetico de solicitar un nuevo financiamiento para asistir media manzanas de chiltomas que sembrara, la inversión que el hará es en la compra de insumos tales como son los abonos, fertilizantes, herbicidas entre otros, que son esenciales para una buena producción.

El se muestra muy agradecido con Ceprodel por la ayuda financiera que le a facilitado ya que sus resultados han sido positivos, atreves de las políticas de la superación de la pobreza que maneja Ceprodel para con sus cliente, el señor Carlos dice que de ser aprobado este crédito podrá asistir a sus cultivos y lograr tener una buena producción y por ende buenos ingresos para tener un mejor nivel de vida que darle a su familia.

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
  • 144
    View loans »
    Nicaragua Loans Fundraising
  • $24,094,200
    Funds lent in using Kiva
  • 24.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Carlos Jose to pay for inputs such as manure, fertilizers, and labor to cultivate sweet peppers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 16, 2013
Listed
Jun 9, 2013
Currency Exchange Loss:
Possible
Ended:
Dec 21, 2013