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Bernardo Jose
He is originally from the community of La Quimera and he has always worked in agriculture. He started out with his parents and later continued in the field when he married. He continues on in this work with his wife's support. She has been working as a janitor and she has also been contributing financially in the support of their children. With these two sources of income they managed to support their children academically and they have also been able to work together to buy the house where they live. They did so with the profits from their agricultural work. He has 14 years' experience in commercial transportation and he has had 8 previous loans with the organization. They have helped him to purchase his truck and to carry out maintenance repairs to the vehicle, including the purchase of new tires. He has been able to improve the service he provides in commercial transportation. He also mentioned that these loans have helped him to improve his living conditions. He has been able to keep his children in school and to improve the conditions of his house with the profits he earned.
View original language description ↓
Este cliente es originario de la comunidad La Quimera y Siempre se ha dedicado ha la agricultura desde que estaba con sus padres y posterior ya cuando se caso continuo con esta misma lbor con el apollo de su esposa ya que ella ha trabajado como domestica y le ha apoyado económicamente como también el apollo de sus hijos y con estas dos cosas de ellos formaron ha sus hijos tanto académicamente y también como han sido bien unidos compraron donde viven con los excedentes de agricultura mercedes y tiene 14 años de vender servicio de acarreo comercial y tiene 8 crédito con la empresa los cuales le han servido para compra del camión y darle el mantenimiento del vehículo y compra de llanta para brindar mejor el servicio de acarreo también menciono que estos créditos le han servido para mejorar sus condiciones de vida y también ha venido preparando académicamente a sus hijos y a mejorar las condiciones de su vivienda con las ganancia obtenidas

Additional Information


This loan is administered by Centro de Promocion del Desarrollo Local (CEPRODEL), one of Kiva’s larger partners in Central America. Founded in 1991 and based in Managua, Nicaragua, CEPRODEL specializes in the development and funding of housing cooperatives for traditionally marginalized communities, the provision of microfinance services to small businesses, and the promotion of innovative renewable energy projects. In addition, unlike many microfinance institutions in the area that have chosen to avoid the rural areas of the country due to the increased financial risk, CEPRODEL provides financial services to numerous clients in the agriculture and livestock industry. Supporting a borrower through CEPRODEL means contributing to the promotion and sustainability of this important work in Nicaragua.

About Nicaragua

  • $4,800
    Average annual income
  • 50
    View loans »
    Nicaragua Loans Fundraising
  • $26,293,200
    Funds lent in using Kiva
  • 22.5
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Bernardo Jose to prepare his farm land to plant corn. He will purchase urea, herbicides, and pesticides.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Jul 18, 2011
Aug 4, 2011
Currency Exchange Loss:
Apr 26, 2012