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Wilber Fernando
Wilmer is 27 years old, married, with two children ages 6 and 10 who study in the Laureles Sur neighborhood primary school. For six years Wilmer has sold optical contacts with his wife. He initially worked with his sister, who started him in this business and encouraged him to become independent and generate his own earnings. He travels by bus to the north side of Nicaragua, more than 120 kilometers to high-risk places because there aren’t many people who travel to the people who live in the mountains or other places far from the city. But in order to gain customers and sales he makes the trips. With the loan he plans to buy frames and lenses to sell and offer to his customers, with this investment he hopes to obtain positive expectations. In the long term he plans to make improvements to his home and educate his children.
View original language description ↓
El Sr. Wilmer tiene 27 años de edad, casado y con dos hijos que su esposa le tiene de 6 y10 años de edad, los cuales están cursando la primaria en el colegio del barrio de los Laureles Sur, don Wilmer vende contratos ópticos visuales con su esposa desde hace seis años pues es un trabajo que lo hacia ante con su hermana la cual lo oriento para que iniciara solo y pudiera tener sus propias ganancias, viaja en autobús al lado del norte de Nicaragua a mas de 120 kilómetros a lugares de alto riesgos por que la gente no circula mucho, ya que son personas de la montaña Oh lugares largo de la ciudad, pero para poder obtener clientela y sus venta lo hace, con la solicitud que hace es para comprar aros y lentes para vender mas y ofertar a sus clientela, pues con esta inversión espera obtener expectativas positivas. A largo plazo es hacer mejoras a su vivienda, educar a sus hijos.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.

About Nicaragua

  • $4,800
    Average annual income
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Wilber Fernando buy frames and lenses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2008
Nov 25, 2008
Currency Exchange Loss:
Dec 15, 2009