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Hector Ramon
Hector is 42 years old and lives in the Calderon Shire in the jurisdiction of El Ayote together with his wife Maritza Perez and his son who is 8 and goes to primary school. Hector is a small producer who raises livestock.

He is asking for his 2nd loan with the objective of buying 5 calves to fatten and sell latter at a better price so that he obtains some profit that will allow him to improve the economic situation for his family. He relies on the support of his family and has the experience necessary for this activity.

His biggest dream is to be able to increase his income to be able to give his family the best conditions possible.
View original language description ↓
Hector de 42 años de edad habita en la comarca Calderon jurisdiccion de El Ayote junto a su esposa la Sra. Maritza Perez y su hijo de 8 años el cual estudia la primaria. Hector es pequeño productor que se dedica al cuido de ganado.

Esta solicitando su 2do credito con el objetivo de comprar 5 terneros para engordarlos y posteriormente venderlos a un mejor precio en donde obtenga ganancias que le permitan mejorar un poco la situacion economica de la familia. Cuenta con el apoyo de su familia y con la experiencia necesaria para esta actividad.

Su mayor sueño es poder incrementar sus ingresos para poder darle a su familia las mejores condiciones posibles.

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
  • 56
    View loans »
    Nicaragua Loans Fundraising
  • $26,430,500
    Funds lent in using Kiva
  • 21.4
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Hector Ramon buying calves.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
At end of term
Jun 29, 2010
Aug 1, 2010
Currency Exchange Loss:
Jun 15, 2012