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Armando Jose
Armando, 45, has worked since he was young in order to get ahead. He studied business management but among those who couldn't find a job. He had to look for an alternative to get by. Together with his wife and a little bit of money they started selling cheese and sodas which went well. With their profits they started to sell in greater quantities every day. From this marriage they had a son who is 8 and in elementary school.

"Today I am a single father because we are separated. My business changed from selling cheese door to door into a small grocery store where I want to increase the products to grow and have more profits." This will be possible through the loan from Afrodenic which will buy sodas, snacks, meat, chicken, two tables and chairs to start selling home cooked meals at night and have another way to help give his young son the very best.
View original language description ↓
Don Armando tiene la edad de 45 años, desde joven ah trabajado para salir adelante, estudio la carrera administración de empresa, pero fue uno más de lo que no encontró trabajo, lo que, tuvo que buscar alternativa para subsistir, junto a su pareja con poco dinero comenzaron a vender quesillos y gaseosas, el cual le fue bien, y con ganancias comenzaron a vender en mas cantidad cada día. De este matrimonio nació mi hijo el cual tiene 8 años y cursa la primaria.
Hoy en día, soy padre soltero, ya que estamos separados. Mi negocio cambio por venta ambulante de quesillos a una pequeña pulpería que quiero aumentar en productos para lograr el crecimiento y tener mejores resultados de ganancias. Esto será posible a travez del financiamiento otorgado en Afodenic, en donde comprara: gaseosas, golosinas, carne, pollo, dos mesas y sillas para comenzar a vender fritanga por las noches, y poder tener otra entrada que ayude a dar lo mejor a su pequeño hijo.

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
  • 79
    View loans »
    Nicaragua Loans Fundraising
  • $25,787,975
    Funds lent in using Kiva
  • 23.6
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Armando Jose to buy sodas, snacks, meat and chicken to offer more on sale.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Aug 2, 2012
Currency Exchange Loss:
Sep 18, 2013