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Lazaro Jose
Lázaro, 40, lives in a department very close to Managua. With his savings from previous jobs he started his business selling clothing door-to-door in the area where he lives. Little by little he bought more products and began to travel to other departments to continue selling and attracting more customers.

He's requesting a loan for the first time to continue investing in general clothing for women, men, and children, and women's sandals.

His wife also sells fruits and vegetables in the market. They have two small children in elementary school whom they want to see become professionals.

The greatest difficulty he had in his business at first was finding new customers as well as the lack of capital to cover demand. Now Lázaro has grown through his own efforts. In the future he'll hire two people who also will go out to the departments to sell. He'll also continue growing with his business, which is his children's future and his family's well-being.
View original language description ↓
Don Lazaro tiene 40 años de edad vive en un departamento muy cercano a Managua, con sus ahorros de trabajos anteriores dio inicio a su negocio vendiendo ropa a domicilio en la zona donde vive poco a poco fue comprando más productos y empezó a viajara a los departamentos para seguir vendiendo y captar mayor clientela. Solcita crédito por primera vez para seguir invirtiendo en ropa en general de dama caballero, niños y sandalias de dama, su esposa también es comerciante de frutas y verduras en el mercado, tienen dos hijos pequeños que cursan la escuela primaria a quienes desean verlos realizados con una carrera profesional, al comienzo de su negocio la mayor dificultad que se le presento fue en la búsqueda de nuevos clientes así como también la falta de capital para cubrir la demanda. Ahora Lazaro ha crecido con sus propios esfuerzos, para futuro contratara a dos personas para que también salgan a verder a los departamentos y seguir creciendo con su negocio que es el futuro de sus hijos y el bienestar de 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
  • $26,432,000
    Funds lent in using Kiva
  • 23.9
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Lazaro Jose to buy sandals and general clothing for women, men, and children.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Nov 1, 2012
Currency Exchange Loss:
Oct 17, 2013