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Ernesto Javier
Ernesto Javier B. is 42 years old and lives in the Laureles Sur neighborhood of Managua. His wife is a housewife who takes care of their home and their 10 year old daughter. Ernesto has been distributing bread for 6 years, an activity he began with his own savings. He is in charge of distributing bread to convenience stores in various neighborhoods in Managua. His plan is to be able to expand his distribution network that he has. He distributes bread by bicycle, and he will use the loan to increase his distribution line, investing in purchasing more inventory in order to be able to expand his service. He hopes to be able to maintain his economic stability that until now he has had, thereby being able to give his family everthing that his family needs.
View original language description ↓
Ernesto Javier B. tiene 42 años de edad, habita en el barrio Laureles Sur de Managua. Su compañera de vida es ama de casa, se dedica al cuido del hogar y de su hija de 10 años de edad. Ernesto se dedica a la distribución de pan desde hace 6 años, actividad que inició con capital propio. Se encarga de distribuir pan en varias pulperías de algunos barrios de Managua, y su plan es poder ampliar la red de distribución que actualmente tiene. El medio utilizado en esta actividad es la bicicleta, el uso del préstamo será para reforzar la línea de distribución, invertirá en la compra de más inventario para así poder agrandar más el servicio. Espera poder mantener la estabilidad económica que hasta ahora ha tenido, para así darle a su familia todo lo que necesite

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
  • 82
    View loans »
    Nicaragua Loans Fundraising
  • $25,792,450
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Ernesto Javier increase distribution line of bread.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 4, 2008
Sep 20, 2008
Currency Exchange Loss:
Aug 15, 2009