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Freddy Bayardo
Freddy Bayardo A. is 36 years old and lives with his wife in Reparto Juan Ramón Padilla. They do no have any children. To help with living expenses, Freddy’s wife works as a domestic in a private home. In the future Freddy hopes to get their own home, but for now they have a room given to them by his wife’s grandmother. He has worked as a street vendor for the past two years, and is requesting a loan of $425 (8,000 córdobas) in order to buy fruits and vegetables. As he already has a market for his produce, the major obstacle is the lack of funding.
View original language description ↓
El señor Freddy Bayardo A. tiene la edad de 36 años habita en Reparto Juan Ramón Padilla, junto a su esposa, ellos no tiene hijos, la esposa de don Freddy trabaja como domestica en una casa particular, para ayudarle con los gastos de la casa. El señor tiene proyecto futuro para hacer su vivienda ya que ellos están en un cuarto que le dio su mamá de su suegra. Este señor trabaja como vendedor ambulante desde hace dos años, el solicita C$ 8,000.00 córdobas para comprar frutas y verduras el ya tiene un mercado definido el cual entrega su producto. La mayor dificultad es la falta de financiamiento.

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
  • 73
    View loans »
    Nicaragua Loans Fundraising
  • $26,432,925
    Funds lent in using Kiva
  • 19.8
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Freddy Bayardo purchase of fruits and vegetables.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 21, 2008
Nov 22, 2008
Currency Exchange Loss:
Aug 15, 2009