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Ramiro José
Sr. Ramiro is 50 years old and resides in the town of Ticuantepe. He and his wife, a fruit and vegetable merchant, work together to cover the household expenses. They have an adult son who is independent.

His plans for his family include improving their kitchen which is currently outdated. His wife does not have enough room for preparing the daily meals. Don Ramiro has worked as a farmer for 25 years. The greatest challenge he has faced in growing pineapple has been dealing with pests that have invaded his fields and prevented him from providing adequate maintenance.

The loan he is requesting will be used to buy fertilizers and supplies in order to provide better conditions for his pineapple crop and promote a profitable harvest.
View original language description ↓
El señor Ramiro tiene la edad 50 años , habitan en el municipio de Ticuantepe , junto a su esposa la cual labora como comerciante de frutas y verduras para apoyarle con los gastos del hogar ,ellos tienen un hijo mayor de edad e independiente ; los planes hacia su familia es poder mejorar la cocina ya que la que actualmente está muy viejita y se le hace incomodo a su esposa estar cocinando el pan de cada día , don Ramiro desde hace veinte cinco años trabaja al campo , la mayor afectación que se le presenta en el cultivo de piña son las plagas que le invaden ya que este carece de un mantenimiento adecuado , el financiamiento lo quiere para la compra de fertilizantes e insumos para darle una mejor vida a su cultivo de piña y pueda ser una producción rentable .

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
  • 22.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ramiro José to purchase fertilizers and farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 12, 2011
May 22, 2011
Currency Exchange Loss:
Jun 15, 2012