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Estelbina B. A., 48, lives in the San Ignacio settlement. Her neighbors are, for the most part, humble people dedicated to farming. She is married and her husband is employed as a security guard thus helping her with household expenses. For the last 12 years they have farmed pitahaya (dragon fruit). The greatest difficulty they have faced in the past has been the unwillingness of financial institutions to help farmers. They started in this line of work thanks to the mutual help they gave each other. For the future, she is planning to undertake soil conservation projects because they have had trouble with the soil. For this, they need an injection of capital to buy agricultural supplies, like chemical fertilizers and fungicides, to guarantee a good crop and to bring better ingredients that will help them stabalize economically.
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La señora Estelbina B. A., tiene 48 años de edad vive en la comarca de San Ignacio un lugar donde sus habitantes son personas humildes y que en su mayoria se dedican al trabajo de la agricultura, la señora ens casada y us esposo trabaja como guarda de seguridad apoyandole en los gastos de la casa, ellos se dedican al cultivo de la pitahaya desde hace 12 años y el mayor problema que han tenido han sido la falta de apoyo de las financieras hacia el ramo de la agricultiura, ellos se iniciaron en este trabajo, gracias al apoyo que se han brindado mutuamente. Para el futuro tiene planeado realizar trabajos de conservacion de suelo debido a que han tenido problemas con la tierra para esto han pensado en la iyeccion de capital en la compra de materiales agricolas tales como fertilizante y fungicidas esto le garantizara una buena cosecha y les traera mayores insumos que le ayudaran a estabilizarse economicamente.

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
  • 38
    View loans »
    Nicaragua Loans Fundraising
  • $26,391,875
    Funds lent in using Kiva
  • 20.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Estelbina to buy farm supplies.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jan 7, 2010
Jan 8, 2010
Currency Exchange Loss:
Nov 15, 2010