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Jose Ramon
Mr. José Ramón R., 46, and his wife, Mayra del Socorro Fitoria, who is a housewife, live in their home in the rural area of Peña Tecolostote. Mr. R. is a farmer and cattleman. He has been in this line of work since he was a young man. Income from this work allows him to meet household expenses and take on the responsibility of loan repayments.

He is asking for his 8th Kiva loan from Afodenic to use in cattle raising. Thanks to these lenders he will be able to increase his herd size.

His greatest dream is to increase his assets so that he can obtain higher profits and provide better living conditions for his family.
View original language description ↓
El Sr. Jose Ramon R. de 46 años de edad, y su esposa Mayra del Socorro Fitoria quien se dedica a los quehaceres del hogar viven en su finca en la comarca la Peña Tecolostote, el Sr. R. ejerce la actividad de comercializar el ganado y los trabajos agricolas, el cual desde muy joven se ha dedicado a estas labores ya que con los ingresos recibidos asume los gastos familiares y sus compromisos de pagos.

Esta solicitando su 8vo credito para ganado de desarrollo a Afodenic mediante el apoyo de Kiva que gracias a estos financiadores va a poder incrementar el hato Ganadero.

Su mayor sueño es incrementar sus activos para obtener mayores ganacias y poder brindarles mejores condiciones de vida a su familia.

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
  • 59
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 21.7
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Jose Ramon to buy a calf.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 14, 2010
Nov 1, 2010
Currency Exchange Loss:
Nov 15, 2011