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Sr. Emiliano S. H. is 59 years old and married. His wife handles the household activities and chores around their farm. They have been growing coffee and citrus fruits for 36 years. They both started in this line of work as a result of Emiliano’s efforts. In addition, they have two children. One works as a nurse and the other is a student who helps with the household chores.

Some of the main difficulties they have confronted over the years include the assault on Emiliano in which he was physically beaten and the financial impact on their family. He was incapacitated and not able to work for a long period of time. After receiving treatments, he was able to return to working their land. Among their plans are to diversify their crops, but they first need an infusion of capital to purchase supplies and fertilizers. This will help with production and result in more income to invest in future projects.

Emiliano and his family are honest, responsible, and well-recognized by the community for their work.

View original language description ↓
El señor Emiliano S. H., de 59 años de edad es casado y su esposa trabaja en los quehaceres del hogar y los trabajos de la finca ellos se dedican a la siembre del café y los cítricos desde hace 36 años, ellos comenzaron a laborar en esta rama gracias al esfuerzo del señor S., ellos son una familia con dos hijos, de los cuales una trabaja como enfermera y la menor estudia y ayuda en los trabajos del hogar.

Dentro de las principales dificultades que se les han presentado a lo largo de los años, fue un asalto que lo golpeado físicamente y económicamente, pues lo dejo incapacitado laboralmente por un buen périodo, pero con tratamientos a podido reincorporarse al trabajo de sus tierras paulatinamente, dentro de sus planes están la diversificación de sus cultivos, pero primero desea realizar una inversión de capital en la compra de insumos y fertilizantes, esto les brindaría una mejor producción y ais mejores ingresos, que les beneficiaran para futuros proyectos.

Ellos son una familia honesta y responsable, merito que es del reconocimiento de la comunidad.

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
  • 72
    View loans »
    Nicaragua Loans Fundraising
  • $25,781,475
    Funds lent in using Kiva
  • 21.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Emiliano purchase farming supplies & fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 6, 2010
Feb 11, 2010
Currency Exchange Loss:
Mar 15, 2011