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Jose Concepción

Update on Jose Concepción

Jose Concepción has been farming since he was a very young man. He currently has a crop of bananas that will be ready during the months of November and December. For this reason, he urgently needs to fertilize and maintain his crops. In addition to farming, Don Jose operates a small bicycle and motorcycle taxi repair shop. This small business allows him to keep up with the household expenses, but he does not have enough to buy supplies. For this reason, he needs a new loan so that he can invest in “Completo”, urea, Gesapax (used to control weeds), Monsanto products, and “Larban”. He will also pay for labor since he has one plot of this crop.

Jose Concepción is grateful for the support he has received these past few years.
View original language description ↓
Jose Conscepcion se dedica a la agricultura desde muy joven, actualmente tiene una cosecha de Platanos que estan proximos a salir en los meses de Noviembre y Diciembre, por lo que le urgen abonar y darle manteniemto, don Jose ademas de dedicarse a la agricultura tiene un pequeños taller de Reparacion de Mototaxi y Bicicletas con este negocito mantiene los gastos del hogar y no le da para comprar los insumos, por lo que con este nuevo finaciamiento invertira en Completo, Urea, Gesapex, Monzato, Larban, tambien pagara mano de obra ya tiene 1 manzana de cultivo. Agradece el apoyo que se le ha brindado estos ultimos años.

Previous Loan Details

J. C. , age 52, lives in the Medardo Andino neighborhood. He is married, and his wife does the household chores. They have two children who go to school. José C. is a farmer, and he has 20 years of experience in this activity. Farming has supported his entire family. Years ago, with the agra... More from Jose Concepción'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
  • 41
    View loans »
    Nicaragua Loans Fundraising
  • $26,418,100
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $850 helped Jose Concepción to buy farming supplies and to pay for labor.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Sep 18, 2013
Sep 24, 2013
Currency Exchange Loss:
Feb 17, 2015