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Ramiro Jose

Update on Ramiro Jose

Ramiro is a humble farmer. He and his wife are from the Ticuantepe zone. His wife sells fruits and vegetables to help him with the household expense. Their future plans are to enlarge their home a bit. Ramiro has been working in the fields for several years and his biggest challenges are the blights that invade the crops. He applies the necessary treatments but they don’t eliminate all of the blights. He needs this loan to buy fertilizers and necessary supplies to plant pineapples, since this is his only financial resource to provide the daily bread for his home.
View original language description ↓
EL señor Ramiro , es un humilde agricultor de la zona de Ticuantepe , junto a su esposa , la cual vende frutas y verduras para apoyarlo con los gastos del hogar , los planes hacia un futuro es mejorar la vivienda , sobre todo hacerla un poco más grande , don Ramiro desde hace varios años se dedica a los trabajos del campos , la mayor afectación que se le ha venido presentado son las plagas que invaden el cultivo , ya que él les aplica los venenos necesarios para combatir este problemas , pero no llega a exterminar totalmente la plaga . El préstamo lo necesita para comprar fertilizantes e insumos necesarios para la plantación de piña , ya que este es el único recurso económico con el cuenta para poder llevar el pan de cada día a su hogar .

Previous Loan Details

Ramiro’s a farmer in Ticuantepe with his family. His future plan is to improve living conditions. Ramiro has been farming pineapples for several years. The greatest challenge he faces is the infestations that invade his plants and sometimes the theft of product. The plan he has for his crops ... More from Ramiro Jose's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Nicaragua

  • $4,800
    Average annual income
  • 46
    View loans »
    Nicaragua Loans Fundraising
  • $26,258,500
    Funds lent in using Kiva
  • 23.3
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ramiro Jose to buy fertilizer and supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 10, 2012
May 31, 2012
Currency Exchange Loss:
Jun 18, 2013