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Alejandro Soza is a small farm owner who lives in a rural area and realizes his dream of working the land in a sustainable fashion as his family does. He has good expectations for the production and commercialization of his cocoa crop for this and the coming years, because according to his expertise it is a very profitable business.

Alejandro works with his wife who does farm chores, cares for their two children and manages employees. Together they meet their goals to guarantee that their children will have patrimony in the future. He is requesting a loan to improve his cocoa field and will buy fertilizers and pest control, and hire workers to manually clean the field.
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Alejandro es un pequeño agricultor que habita en zona rural, cumple el sueño de trabajar la tierra de forma sostenible como lo hace su familia. Él tiene buenas expectativas con la producción y comercialización del cacao para este y los próximos años, ya que según la experiencia adquirida en este rubro es un cultivo de mucho valor económico. Alejandro trabaja a lado de su esposa que se dedica a las labores de la finca, cuido de sus dos hijos y el manejo administrativo del personal, juntos esperan cumplir con los objetivos y metas planteadas y poder garantizar el patrimonio para sus hijos en un futuro. Él solicita el crédito con el cual dará mejores condiciones a su parcela de cacao, la cual necesita de inversión en fertilizantes, manejo de plagas y limpieza manual de su parcela de cacao.

Additional Information

More information about this loan

Through the Silvopasture loan, Afodenic will help smallholder farmers, whose livelihoods are principally derived from livestock, to diversify their incomes. These loans will be used to plant income generating fruit and nut trees, such as cacao, on grazing lands.  Silvopasture is the practice of combining forestry and grazing of domesticated animals in a mutually beneficial way. Advantages are enhanced soil protection, reduced natural pollution by livestock, and increased medium-term income due to the production of trees and fruits.

Despite being the country’s most important export and playing a vital role in the local economy, Nicaragua’s livestock production is currently heavily lacking in resources to increase efficiency and sustainability. Today, hard pressed farmers are raising their livestock in inappropriate conditions, allowing overgrazing and administering medications to the animals that increase environmental pollution. Moreover, for many, livestock production is the only source of income, leaving families vulnerable to market conditions, as in 2008 when cattle prices sharply fell in Nicaragua.



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
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,729,225
    Funds lent in using Kiva
  • 27.2
    Nicaragua Cordobas (NIO) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $2,825 helped Alejandro to buy fertilizers and pest control, and to hire workers to clean his cocoa field.
35% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Mar 31, 2014
May 20, 2014
Currency Exchange Loss: